Stop Excusing Debt as a Dream

The Ramsey Show

Ramsey Network

Business, Education, Investing, Self-improvement

4.6 • 36.7K Ratings

🗓️ 26 August 2025

⏱️ 128 minutes

🔗️ Recording | iTunes | RSS

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Summary

🎟️ The Ramsey Show Live Tour: Tell us where we should go next! Dave Ramsey and Dr. John Delony answer your questions and discuss: "My wife and I aren't on the same page financially. At what point should I open a separate bank account that I can manage?" "I feel insecure only having $1,000 in my emergency fund while I'm in Baby Step 1..." "My husband hid credit card debt from me again. How do I protect myself from his out-of-control spending?" "Was taking out a $100,000 loan to buy cattle a bad idea?" "What should I do with my stock that has grown to $1.8 million?" "Should we accept a $100,000 gift from my parents?" "What's the best way to invest?" "I'll be graduating med school with over $200,000 of student loan debt. How do I pay them off while investing in a Roth?" "Is this trend of people selling their houses for RVs healthy?" "How do I repair my marriage and get out of debt?" "Should I confront my mother about using my 529 to pay for an exchange student's college instead of my tuition?" 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. 💵 ⁠Start your free budget today. Download the EveryDollar app! 📱 Get episodes early in the free Ramsey Network app! 🤔 Will an online will work for you? Take this quiz to find out ✏️ Explore our high school personal finance and new economics curriculum. 📚 Set and actually reach your goals with the NEW 2026 Ramsey Goal Planner! Hurry—they sell out every year! 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.
0:07.1	Start budgeting for free today.
0:12.5	From the headquarters of Ramsey Solutions, it's the Ramsey Show, where we help people build wealth, do work that they love,
0:22.4	and create actual amazing relationships.
0:25.8	I'm Dave Ramsey, your host, Dr. John Deloney,
0:27.7	Ramsey personality, number one bestselling author, Ph.D. in counseling,
0:32.3	and host of the Dr. John Deloney show.
0:35.7	A big hit on the Ramsey Network.
0:37.4	He's my co-host. Open phones at AAA-825. John Deloney show. A big hit on the Ramsey Network.
0:38.1	He's my co-host.
0:43.0	Open phones at AAA 825-5-2-25.
0:44.5	Danny is in Orange County.
0:45.4	Hey, Danny, what's up?
0:49.2	Hey, Dave, big fan first and foremost.
0:51.2	Big fan of now.
0:52.7	Thank you. I just have a quick question here. So I've been married with my wife for about
0:58.0	10 years at this point. It's going to be in October 10 years, a milestone. I'm really happy about
1:05.3	that. But I don't think we're on the same page on finances. And so recently we had this hard conversation where I told her I want to get, you know,
1:16.5	a different account so that I can manage the money a little better.
1:21.6	She's been managing the finances for the amounts that we've been married.
1:29.3	But at this point, we're earning a lot more than what we did when we first started.
1:35.1	You know, when we first got married.
	...

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