Stop Overthinking and Start Taking Action
The Ramsey Show
Ramsey Network
4.6 • 36.7K Ratings
🗓️ 8 May 2025
⏱️ 88 minutes
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| 0:00.0 | Brought to you by the every dollar app. |
| 0:05.7 | Start budgeting for free today. |
| 0:13.2 | From the Ramsey Network, it's the Ramsey show. |
| 0:15.6 | I am your host, Jade Warshaw next to me. |
| 0:17.6 | One of my favorite guys out there, Ken Coleman. |
| 0:19.5 | Come on now. |
| 0:20.8 | Starting off like that. I mean, running it back from yesterday. It'll put favorite guys out there, Ken Coleman. Come on now. Starting off like that. |
| 0:22.1 | I mean, running it back from yesterday. It put me in a good mood. Yeah. Oh, thank you. This is great. |
| 0:26.3 | Yes. We're taking calls together about your life and your money. I'm going to hit you up on the money side. |
| 0:31.2 | And Ken, he's going to help you with the professional growth. Income, income, income, all of it oh you just want to do it we're just saying income today all no no it's |
| 0:38.9 | always the professional growth stuff but i want people making more money i know that's right mo money |
| 0:43.3 | let's go to daniel he probably wants to make a little more money too daniel in pentacola florida what's up |
| 0:48.7 | daniel what's going on how you guys doing we're good how can All righty. So I just got a quick question. I'm wondering whether or not me and my wife are using the sinking funds almost like a debt. |
| 1:05.5 | I know that sounds funny, but I want to make sure we're not using this wrong. We kind of disagree on this. |
| 1:10.6 | And it doesn't come up often, but when it does, |
| 1:13.7 | it's this whole thing on using the thinking funds in a way I think is not the correct way. |
| 1:19.3 | So to give an example, let's say we have a plan for Christmas, |
| 1:23.9 | and just to make it easy, I can say 100 a month. |
| 1:26.0 | We started in January, And we're going to |
| 1:29.1 | plan on having the $1,200 by the end of the year. But something comes up in June. Oh, hey, I want to buy |
| 1:34.8 | this thing. And I say, well, let's say before, let's, you know, let's plan ahead for that. We don't |
| 1:40.3 | have the money right now. And then the response is, well, well no we have the money there's six hundred dollars in the christmas fund oh let's just use the christmas fund we'll pay it and then |
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