The Baby Steps Break You out of the Paycheck-to-Paycheck Cycle

The Ramsey Show

Ramsey Network

Business, Education, Investing, Self-improvement

4.6 • 36.7K Ratings

🗓️ 7 February 2025

⏱️ 86 minutes

🔗️ Recording | iTunes | RSS

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Summary

📈 Are you on track with the Baby Steps? Get a Free Personalized Plan George Kamel & Dr. John Delony answer your questions and discuss: "I can’t convince my girl friend to get off credit cards," "My dad is pressuring me to take out a car loan," "How do I stop living paycheck-to-paycheck?," "My girlfriend has $470k in students loans and is asking me if there's going to be a proposal soon..." "Should I pay for a house that isn't in my name?" Support Our Sponsors: 🌱 Get 10% off your first month of BetterHelp ◎ Get 10% off Byrna product bundles and more! 🏥 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 💸 To find out more about student loan refinancing, check out Laurel Road 💻 Visit NetSuite today to learn more 🗂️ Use promo code RAMSEY for 18% off at The Nokbox 💵 Learn more about Timothy Plan 🏛 Get started with YRefy or call 844-2-RAMSEY 🔐 Visit Zander Insurance for your free instant quote today! Next Steps 📱 Watch the full episode for free in the Ramsey Network app. 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! 💼 Connect with a RamseyTrusted tax pro for help with payroll and more 💵 Start your free budget today. Download the EveryDollar app! ☂️Get trusted insurance coverage that fits your budget. 💪 Invest with confidence! Get tickets to Investing Essentials 🪑 Check out Front Row Seat with Ken Coleman! Listen to more from Ramsey Network 🎙️ The Ramsey Show 🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 🪑 Front Row Seat with Ken Coleman 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Transcript

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0:00.0	From Ramsey Network, this is the Ramsey Show, where we help people build wealth, do work that they love, and create amazing relationships.
0:22.3	I'm George Camel, joined by my good friend, Dr. John Belloni, and we're taking your calls at
0:27.0	AAA-825-5-225. Call us up and we'll help you take the right next step for your life and your money.
0:35.1	Hunter's going to kick us off in Calgary, Canada. What's going on, Hunter?
0:38.6	How can we help? Hey, so I believe in the Ramsey method. Say the good amount of money. I want to buy a
0:45.9	house. I have this girl, like I want to marry her, but she doesn't believe in, she believes in
0:51.2	like credit cards, and I don't want credit cards, because that's what you guys teach.
0:56.7	How can I convince her?
0:57.9	She thinks they're like, you can't rent a place or you can't get a house, and I've tried to explain her otherwise.
1:04.3	What do you guys think?
1:05.8	How have you tried to explain it?
1:07.6	Like, role play it with me.
1:08.7	How have you tried to teach your girlfriend or to talk to your girlfriend about the way
1:13.5	she thinks about a problem is wrong?
1:16.5	Well, I just, I don't know, I try to go soft like you guys do.
1:21.6	I don't know.
1:24.6	I'm like, well, this served me well, the Ramsey method served me well.
1:29.5	I saved up over like $120,000.
1:31.9	I'm only 22 years old.
1:34.8	I think, yeah, I think there's just less risk.
1:38.3	So you are making, I don't want to over-gender this, okay?
1:42.4	You are doing it exactly the way I would have done it at 22,
	...

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