The White House Doesn’t Decide Your Future—You Do

The Ramsey Show

Ramsey Network

Business, Education, Investing, Self-improvement

4.6 • 36.7K Ratings

🗓️ 16 July 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 George Kamel answer your questions and discuss: "How do I do the Baby Steps when I can't trust my husband to commit to the plan?" Dave Ramsey breaks down Trump's Big Beautiful Bill (what you need to know), "How does escrow work and why is there always a shortage in our account?" "How can I find a legit online side hustle that isn't a scam?" "We're millionaires but we still live like we are in poverty. How do we make the switch to start spending more?" "I am in the middle of Baby Step 2 and I want to give up" "Do we keep money invested in a brokerage account or use it for a rental property we own?" "What's the best way to tackle $125,000 of debt with my high income?" "Are we stuck paying income tax on income from my husband's band?" "I'm a single mom and just received a large inheritance. How can I best use this money for my son and me?" "How do I tell my dad I don't want to buy a home with him?" "Should we take out a seven figure loan to expand our dental practice?" "My company doesn't offer a 401(k). What should I do to invest for retirement?" 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 organized and prepared to buy or sell a home. 📖 Buy 1 Book, Get 1 Half Off! 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.
0:06.4	Start budgeting for free today.
0:13.7	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.
0:29.0	Number one, bestselling author Ramsey personality, George Camel is my co-host today.
0:33.7	He's also the co-host of Smart Money Happy Hour and the host of the George Campbell show.
0:37.2	Be sure and check all of the George Campbell Show.
0:41.5	Be sure and check all of those things out on the Ramsey Network on YouTube.
0:43.7	And anywhere else, fine shows are shown.
0:47.2	Up first is going to be Rebecca in Sarasota, Florida.
0:47.9	Hi, Rebecca.
0:48.5	How are you?
0:49.8	I'm good.
0:50.9	What's up?
0:57.6	My husband and I have been working on the baby steps.
1:08.2	We have not, we have a combined checking account, but only funds that go in there or our mortgage.
1:15.1	I'm personally on one and three. The thing that we are struggling with is my husband is not very good with money, so I'm very hesitant to combine all of our money into
1:23.3	one account. Okay. What do you mean he's not good with money?
1:30.3	He's just not very good with managing it.
1:34.1	He, in the past couple months, discovered that he had a gambling issue.
1:42.6	Okay.
1:43.4	That sounds very serious.
1:45.8	So, yeah.
	...

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