Stop Expecting Different Results From the Same Mistakes

The Ramsey Show

Ramsey Network

Business, Education, Investing, Self-improvement

4.6 • 36.7K Ratings

🗓️ 29 July 2025

⏱️ 127 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: "As a single mom of 2, how do I pay off $130,000 of debt?" "Should we sell an annuity while in Baby Step 2?" "Should we use our stocks to throw $150,000 at the mortgage?" "I'm 70 and don't have a will or a trust. Which is the best option?" "When should I prioritize starting my own business?" "We're receiving $50,000 in cash for our wedding. What should we do with the leftover cash after the wedding?" "What do I do with the inheritance my ex-husband left me?" "Is rent-to-buy a good way to accelerate home ownership?" "Should I file for bankruptcy?" "How can I protect my investments from being used for spousal long-term care?" "How do I possibly get my wife on the same page when it comes to cutting our expenses?" "I lied to my husband about our business's finances until it was too late. How can I make this right with him?" "Should I use my 401(k) to do updates to my home before selling it?" "I'm 39 and living paycheck-to-paycheck. How do I get out of this?" 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! 🏠 Get organized and prepared to buy or sell a home. ⁠⁠⁠⁠⁠ ⛓️‍💥 Tired of debt? Grab Breaking Free From Broke now! 💗 ⁠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 is a paid, non-client promoter of SmartVestor Pros. ⁠⁠⁠⁠⁠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. Start budgeting for free today.
0:10.4	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.
0:25.6	I'm Dave Ramsey, your host, Ken Coleman, number one bestselling author, Ramsey personality,
0:31.0	and host of the runaway hit show, Front Row Seat on the Ramsey Networks.
0:34.9	He's my co-host today.
0:36.9	Brianna is with us in Washington, D.C.
0:39.7	Hi, Brianna. How are you? I'm doing well. How are you? Better than I deserve. What's up?
0:46.3	So I'm a single mom living in D.C. and I've just been in survival mode over the past few years,
0:54.0	just trying to get things done.
0:56.1	But I'm in a space where I'm trying to just clean up my debt.
0:59.3	I want to buy a house in the next two years.
1:02.3	But I know I have a lot of debt that I need to clean up and learning and figuring out, like, how to save and just move forward so I could give my
1:11.9	children better opportunities in the future.
1:15.0	Good for you.
1:16.2	That's good motivation.
1:17.7	Cool.
1:18.3	So what's your income?
1:20.8	So I make 80 from my job, yes, 80,000.
1:25.4	Your day job were you saying?
1:27.0	Does that mean you have another one?
1:29.0	Well, lately I've been doing some training, consulting work on the side, but it's very sporadic.
1:36.5	How much have you made doing that?
	...

Transcript will be available on the free plan in 11 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.