Money Magnifies What You Already Are

The Ramsey Show

Ramsey Network

Business, Education, Investing, Self-improvement

4.6 • 36.7K Ratings

🗓️ 3 September 2025

⏱️ 125 minutes

🔗️ Recording | iTunes | RSS

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Summary

📈 ⁠Think you’re good with money? Take our Money in America quiz! Dave Ramsey and Dr. John Delony answer your questions and discuss: "Should I borrow from my 401(k) to start a business?" "How do I work the Baby Steps when the Department of Treasury is threatening to garnish my wages?" "How does Baby Step 6 work if I will be moving every few years?" "How do I deal with people asking for my deceased husband's personal belongings?". Next Steps: ✔️⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠ 📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠ ⁠send us an email⁠⁠. 📱 ⁠⁠Get episodes early in the free Ramsey Network app! ⁠⁠ 💵 ⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠ 📚 ⁠⁠Set and actually reach your goals with the NEW 2026 Ramsey Goal Planner! Hurry—they sell out every year!⁠⁠ ☮️ Lead a Financial Peace University class. 🎟️ Two Weekends. One Life-Changing Experience. Get away with your spouse in Nashville. Connect With Our Sponsors: Stop paying more and start shopping smarter at ⁠⁠ALDI⁠⁠. Get 10% off your first month of⁠⁠ BetterHelp⁠⁠. Go to ⁠⁠Boost Mobile⁠⁠ to switch today! Learn more about⁠⁠ Christian Healthcare Ministries⁠⁠. Get started today with⁠⁠ Churchill Mortgage⁠⁠. Get 20% off when you join ⁠⁠DeleteMe⁠⁠. Go to⁠⁠ FAIRWINDS Credit Union⁠⁠ for an exclusive account bundle! Find top health insurance plans at ⁠⁠Health Trust Financial⁠⁠. Use code RAMSEY to save 20% at ⁠⁠Mama Bear Legal Forms⁠⁠. Visit⁠⁠ NetSuite⁠⁠ today to learn more. For more information, go to ⁠⁠SimpliSafe⁠⁠. Use promo code RAMSEY for 18% off at ⁠⁠The Nokbox⁠⁠. Get started with ⁠⁠YRefy⁠⁠ or call 844-2-RAMSEY. Visit⁠⁠ Zander Insurance⁠⁠ for your free instant quote today! Explore more from Ramsey Network: 💸 ⁠⁠The Ramsey Show Highlights⁠⁠ 🧠 ⁠⁠The Dr. John Delony Show⁠⁠ 🍸 ⁠⁠Smart Money Happy Hour⁠⁠ 💡 ⁠⁠The Rachel Cruze Show⁠⁠ 💰 ⁠⁠George Kamel⁠⁠ 🪑 ⁠⁠Front Row Seat with Ken Coleman⁠⁠ 📈 ⁠⁠EntreLeadership⁠⁠ ⁠⁠Ramsey Solutions Privacy Policy⁠ Learn more about your ad choices. Visit megaphone.fm/adchoices

Transcript

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0:00.0	Brought to you by the Every Dollar app. Start budgeting for free today.
0:12.7	Normal is broke and common sense is weird. So we're here to help you transform your life.
0:24.2	From the Ramsey Network in the Fair Winds Credit Union Studio.
0:28.7	This is the Ramsey Show.
0:31.5	Well, as you can tell, we got a brand new studio sponsor, and we did a little bit of a new opener.
0:36.8	We've been working on our opener a little bit. The other one kind of sucked, so we worked on a little bit of a new opener been working on our opener a little bit
0:38.0	the other one kind of sucked so we worked on a little bit and we're pumped about uh this new
0:43.9	studio sponsor fair wins credit union these guys are absolutely incredible they've been a a partner
0:50.4	for a while now and you guys know if you listen to d to Dave Ramsey for about 30 seconds that I pretty much hate the big banks.
1:00.1	You know, like why you would do business with Bank of America and get mistreated the way they mistreat all their customers is beyond me.
1:06.8	Why you would do business with Fifth Third is beyond me.
1:10.5	Why you would do business with Chase, I beyond me. Why you would do business with
1:11.6	Chase, I have no idea what's wrong with you if you're doing that. I don't get it because they
1:16.9	just, they just treat you like crap and you give them your money to do that. Instead, we work
1:22.5	with small regional banks and we've been an endorser of credit unions nationwide for off and on for 30 years
1:29.8	since I started the show, because I'm a huge fan of credit unions.
1:33.1	The main reason is this, credit unions work different.
1:35.6	They're not a bank.
1:37.4	They are non-profit, and the weird thing is the people that are the customers or the members
1:43.1	actually are the owners.
1:45.6	Now, you don't get to go in there and say, I want that desk.
1:48.6	It's not yours, okay?
	...

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