Push Through Your Financial Setbacks—Don’t Surrender to Them

The Ramsey Show

Ramsey Network

Business, Education, Investing, Self-improvement

4.6 • 36.7K Ratings

🗓️ 1 July 2025

⏱️ 126 minutes

🔗️ Recording | iTunes | RSS

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Summary

🔗⁠⁠⁠⁠ ⁠⁠⁠⁠Share the Ramsey 101 Playlist!⁠⁠⁠⁠⁠ Rachel Cruze and George Kamel answer your questions and discuss: 'How can I get my wife to stay on budget?' 'How do I pay off my loans if I can't find work?' 'My boyfriend wants to keep separate finances when we get married' 'Should I buy a Tesla even if it might put me back financially?' 'I co-signed a loan with my brother-in-law. How do I get out of this?' 'We bought a house from a family member and they don't want us to pay off the house early' 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! 📈⁠⁠⁠⁠ ⁠Are you on track with the Baby Steps? Get a Free Personalized Plan⁠⁠⁠⁠⁠ 🛡️Get trusted insurance coverage that fits your budget. 📊 For help with investing, get connected with a SmartVestor Pro. 💵⁠⁠⁠⁠⁠ ⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠ 🏠 Find a Ramsey Trusted Real Estate Agent 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! Save 15% on your first ⁠⁠⁠⁠Field of Greens⁠⁠⁠⁠ order with code RAMSEY 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 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.
0:14.6	From the Ramsey Network, it's the Ramsey Show, where we help people build wealth, do work that they love, and create amazing
0:21.9	relationships.
0:22.8	I'm George Camel, joined by the best co-host, a guy could ask for, Rachel Cruz.
0:27.7	Also, my co-host on our other show, Smart Money Happy Hour, is joining me, and we're taking
0:32.5	your calls at AAA 825-5-225.
0:36.5	You call us.
0:37.5	We'll attempt to give you the right next step for your life and your money.
0:41.4	Zach has chosen to do that out in Salt Lake City.
0:44.0	What's going on, Zach?
0:45.0	Welcome to The Ramsey Show.
0:48.4	Hi.
0:49.1	Yeah, so I find myself kind of a little bit of a pickle here.
0:57.9	So long story short, I've been in step two for the past few years now with me and my wife.
1:07.8	We're about $400,000 in debt between our mortgage and a few other things.
1:16.3	The issue comes where I've tried for the past couple years to work with my wife and create a budget that we can stay in. But inevitably,
1:32.6	every month, we're over budget, leading to us not really being able to pay anything down.
1:41.2	We kind of stay stagnant as far as the amount of debt that we're in. We've, I mean,
1:46.6	we've been to marriage counseling and talked to various people about this, including, you know,
1:52.1	family and, you know, the counselors themselves. What was the reason for the marriage counseling?
1:56.7	It wasn't about the budget. There was some, there was other things going on, it sounds like.
2:00.3	There were, there were some other things at times.
	...

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