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The Ramsey Show

Life Happens. Are You Going To Be Ready for It?

The Ramsey Show

Ramsey Network

Education, Investing, Business, Self-improvement

4.5 โ€ข 38.5K Ratings

๐Ÿ—“๏ธ 3 April 2025

โฑ๏ธ 83 minutes

๐Ÿงพ๏ธ Download transcript

Summary

๐Ÿ“ˆย Are you on track with the Baby Steps? Get a Free Personalized Plan ๐Ÿ“ฑ Watch the full episode for free in the Ramsey Network app. Dave Ramsey & Dr. John Delony answer your questions and discuss: "I made almost $200K last year and have nothing to show for it," "We owe $20k more on a car than it's worth," "Stop investing to save for a house?" "I just found out my wages are being garnished," "Do you have advice for adult children discussing wills with their parents?" Support Our Sponsors: ๐Ÿ›’ Stop paying more and start shopping smarter at Aldi ๐ŸŒฑ Get 10% off your first month of BetterHelp ๐Ÿ“ฑGo to Boost Mobile to switch today! ๐Ÿฅ Learn more about Christian Healthcare Ministries ๐Ÿก Get started today with Churchill Mortgage ๐Ÿ”’ Get 20% off when you join DeleteMe ๐Ÿฆ Go to FAIRWINDS Credit Union for an exclusive account bundle! ๐Ÿฅ— Save 15% on your first Field of Greens order with code RAMSEY โ›จ Find top Health Insurance Plans at Health Trust Financial ๐Ÿ’ธ To find out more about student loan refinancing, check out Laurel Road ๐Ÿ’ป Visit NetSuite today to learn more ๐Ÿ—‚๏ธ Use promo code RAMSEY for 18% off at The Nokbox ๐ŸŽฅ Get your tickets for The Chosen Season 5! ๐Ÿ’ต Learn more about Timothy Plan ๐Ÿ› Get started with YRefy or call 844-2-RAMSEY ๐Ÿ” Visit Zander Insurance for your free instant quote today! Next Steps โœ… Help us make the show better by taking this short survey! ๐Ÿ“ž Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! ๐Ÿ’ต Sign up for a free training with our EveryDollar team! โœ๏ธ Enter the Teacher Appreciation Giveaway ๐ŸŽŸ๏ธ See Dave Ramsey and Dr. John Delony LIVE in a city near you ๐Ÿ›’ Preorder Build a Business You Love Now at Ramsey Solutions ๐Ÿ’ฐ File your taxes with 100% accurate software thatโ€™s 20% of the price Listen to more from Ramsey Network ๐Ÿ’ธ The Ramsey Show Highlights ๐Ÿง  The Dr. John Delony Show ๐Ÿธ Smart Money Happy Hour ๐Ÿ’ก The Rachel Cruze Show ๐Ÿ’ฐ George Kamel ๐Ÿช‘ Front Row Seat with Ken Coleman ๐Ÿ“ˆ EntreLeadership Learn more about your ad choices.ย https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Transcript

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0:00.0

Live from the headquarters of Ramsey Solutions, it's the Ramsey Show, where we help people build wealth, do work that they love, and create actual amazing relationships.

0:32.9

I'm Dave Ramsey, your host, Dr. John Deloney, Ph.D. in Counseling, host of the Dr. John Deloney show,

0:38.6

number one bestselling author. He's my co-host today. Jackson's with us in Vancouver. Hi, Jackson.

0:44.7

Welcome to the Ramsey Show. Hi there. Thanks for having me on today. Sure, man. What's up?

0:51.3

Well, you know, I'm a big fan of your guys' show, so I thought I'd give you a phone call.

0:56.9

I've been making some pretty good money working up here.

1:00.0

I work as a heavy-duty mechanic, and last year I made just shy of $200,000 a year, and I'm debt-free,

1:06.8

but I don't have any sort of a financial plan.

1:09.4

And I feel like I make too much money to not have some sort of a plan, and I don't have any sort of a financial plan. And I feel like I make too much money to not have

1:12.8

some sort of a plan. And I don't want to feel like a fool who squanders a fortune. Good for you.

1:19.5

Very wise. How old are you? I'm 25 years old. Some of the guys you work with have never even

1:25.6

had the thought that you've had. They spend their whole life working their butts off and thank God it's Friday,

1:30.3

oh God, it's Monday and got nothing to show for it.

1:32.1

So you're very wise.

1:33.2

You got a huge head start at 25.

1:35.1

Congratulations.

1:36.1

Just asking the question puts you in the top 5%, dude.

1:40.1

So,

1:40.4

yeah, that's kind of why I'm trying to ask the question because I said a pretty high standard for myself.

1:45.3

No, it's not that high, but it's...

1:47.0

I mean, but you're way ahead of the game.

1:51.8

You're way ahead of the game.

...

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