Protect Your Wallet From Other People’s Chaos

The Ramsey Show

Ramsey Network

Business, Education, Investing, Self-improvement

4.6 • 36.7K Ratings

🗓️ 12 August 2025

⏱️ 125 minutes

🔗️ Recording | iTunes | RSS

🧾️ Download transcript

Summary

📈⁠⁠⁠ ⁠Are you on track with the Baby Steps? Get a free personalized plan.⁠⁠⁠⁠ Dave Ramsey and Ken Coleman answer your questions and discuss: "Should we change our financial advisor of 40 years?" "My parents are using my younger siblings' money to supplement their income" "Should I go back to school to be an architect?" "What should I do with my military sign-on bonus?" "Should we keep saving to pay cash for a house?" "Should I sell my whole life policy to pay off debt?" "We're $600k in debt, can we still afford to buy a house?" "Should I fire the manager of my business?" "Should I buy a car to qualify for my company's reimbursement program?" "How do I make a career change at 56 years old?" "Should my dad take money out of his retirement to fund my sister's kids' 529 plans?" "I own two bakeries and one is struggling. Should I focus on the successful bakery?" 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 organized and prepared to buy or sell a home. 💵⁠⁠⁠ ⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠ ❓ ⁠⁠⁠Will an online will work for you? Take this quiz to find out.⁠⁠⁠ 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

Click on a timestamp to play from that location

0:00.0	Brought to you by the Every Dollar app.
0:06.2	Start budgeting for free today.
0:38.3	Live. 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.
0:40.5	Thank you for joining us, America.
0:43.7	Ken Coleman Ramsey Personality, number one bestselling author,
0:47.5	and host of the brand-new runaway hit on the Ramsey Networks.
0:50.3	It's called Front Row Seat, where he does long-form interviews with all kinds of famous and big people that are giving you insights into success.
0:56.8	It's really, really good.
0:59.3	Ken, who's dropping this week?
1:01.7	Of course, you asked me, and I don't even know who's dropping tomorrow.
1:04.7	I want to say it might be Rachel Cruz.
1:08.1	She's in the hopper.
1:09.0	That was a fun conversation.
1:29.5	Gary Seneese is already out. That already came out. Yeah, yeah, yeah. And we have Ethan Cross has been out for a week. It's doing very well. Ethan is a professor and a two-time bestselling author on Pivot. And it's all about mindset. And so this is all about emotion in the professional setting in your personal life how do we shift our mental mindset to win so it's pretty deep stuff
1:34.7	i can't say the word pivot anymore after uh... co but i get PTSD actually i said that wrong the name
1:40.4	of his book is shift oh that's much better that's a good book okay now i know the book it's a runaway bestseller called shift huge it, that's much better. That's a good book. Okay. Now I know the book.
1:45.3	It's a runaway bestseller called Shift. It's a great book. I didn't, I didn't know what you're talking about. Well, yeah, I used the wrong word. What was the other COVID word? We can't say more. Oh, unprecedented. Oh, my God. And you're right. That was ruined in about three days. I'm just over both of those words for the rest of my life.
1:45.9	All right. Pamela is in Alabama. days. I'm just over both of those words for the rest of my life.
2:01.4	All right. Pamela is in Alabama. Hi, Pamela. How are you?
2:05.0	Hey, thanks for having me on the show today.
2:07.6	Sure. What's up?
2:09.1	Hey, well, this question is a mix of financial and family issues, maybe words of caution for your listeners, Mr. Ramsey.
	...

Transcript will be available on the free plan in 24 days. Upgrade to see the full transcript now.

Previous episode | Next episode

Disclaimer: The podcast and artwork embedded on this page are from Ramsey Network, and are the property of its owner and not affiliated with or endorsed by Tapesearch.

Generated transcripts are the property of Ramsey Network and are distributed freely under the Fair Use doctrine. Transcripts generated by Tapesearch are not guaranteed to be accurate.