Take Control Of Your Money Before It Takes Control Of You

The Ramsey Show

Ramsey Network

Business, Education, Investing, Self-improvement

4.6 • 36.7K Ratings

🗓️ 13 August 2025

⏱️ 127 minutes

🔗️ Recording | iTunes | RSS

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Summary

📈⁠⁠⁠⁠ ⁠Are you on track with the Baby Steps? Get a free personalized plan.⁠⁠⁠⁠⁠ Dave Ramsey and Dr. John Delony answer your questions and discuss: "When can I slow down from working 76 hours per week?" "How do we budget for a large expense while paying off debt?" "Should we change our will since we disagree with our son's life choices?" "We're trying to work the Baby Steps but can't seem to get ahead..." "I'm struggling to make payments on my bankruptcy..." "How do I teach my 19-year-old to handle money?" "How can I get my wife to use her inheritance to pay down debt?" "I'm $100k in debt. How do I tackle this?" "How much should I charge my son for rent?" "We can't seem to get back on track after going through a tragedy..." 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! 🛡️ Get trusted insurance coverage that fits your budget. 🏠 Get organized and prepared to buy or sell a home. 💗 Two Weekends. One Life-Changing Experience. Get away with your spouse in Nashville. 🤔 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

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0:00.0	Brought to you by the Every Dollar app.
0:07.0	Start budgeting for free today.
0:18.8	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.
0:32.7	I'm Dave Ramsey, your host, Dr. John Deloney, Ramsey personality, number one bestselling author, and host of
0:38.1	the super popular Dr. John Deloney show on the Ramsey Networks. He's my co-host today. PhD
0:44.1	and counseling, so if you need some, he's here. Phone numbers, triple 825-5-225. Matt is in Long
0:51.1	Island. Hey, Matt, what's up? Hey, how you doing, Dave?
0:54.7	Better than I deserve. How can I help?
0:57.5	Okay. So I currently work about 70 to 75 hours a week between two jobs,
1:03.3	married with two kids, and I'm on baby step number six.
1:08.2	I wanted to know if it would be wise to stop working my second job and kind of
1:14.7	spend a little bit more time with my family, rather than trying to pay my house off early.
1:19.4	Yes. Okay. I don't, we don't recommend 80 hours a week when you're on baby steps four, five,
1:27.1	and six. When you're on two and you're getting out of debt and 3, you're trying to build your emergency fund, yeah, you pour the coals on. You burn them in that oil. You kick butt. You take six jobs and sell so much stuff the kids think they're next and all that, right? But then when you move from Baby Step, when you're out of debt and you have your emergency
1:44.3	fund and you move into four five and six which is safe for retirement kids college and pay
1:48.6	off your house you move from intense to intentional okay and so intentional is not 80 hours a week
1:56.9	as a pattern i wouldn't do do that as an ongoing thing.
2:02.6	You'll hit the wall because those three baby steps take, you know, typically six, seven
2:07.2	years.
2:09.7	And so how much do you owe in your house today?
2:13.0	About 350,000.
2:14.8	Yeah, it's going to be a while.
	...

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