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The Ramsey Show

There's Always Hope When Facing Financial Hardship

The Ramsey Show

Ramsey Network

Investing, Self-improvement, Education, Business

4.538.5K Ratings

🗓️ 13 February 2026

⏱️ 127 minutes

🧾️ Download transcript

Summary

💵 ⁠⁠⁠Have a money question? Ask Ramsey is here to help.⁠⁠⁠ 📈 ⁠⁠⁠Are you on track with the Baby Steps? Get a Free Personalized Plan.⁠⁠⁠ Rachel Cruze and Dr. John Delony answer your questions and discuss: "We're $71k in debt. How do we get out of this mess?" "Why do you encourage people to have babies while paying off debt?" "Our mortgage is 50% of our income" "I owe more on my cars than I make in a year" "How do I handle finances while going through a divorce?". 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. 🚢 ⁠⁠⁠⁠⁠⁠Set sail with Dave Ramsey. Book your cabin today.⁠⁠⁠⁠⁠⁠ 💵 ⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠ 💻 ⁠⁠⁠⁠⁠⁠Need help with your taxes? See who we trust.⁠⁠⁠⁠⁠⁠ Connect With Our Sponsors: Get 10% off your first month of ⁠⁠⁠⁠⁠BetterHelp⁠⁠⁠⁠⁠ Go to ⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠ to switch today! Go to⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Casper Sleep⁠⁠⁠⁠⁠ and use promo code RAMSEY to learn more If you want your car to keep going and going, trust ⁠⁠⁠⁠⁠Christian Brothers Automotive⁠⁠⁠⁠⁠. Find a local shop and get an exclusive Ramsey discount of 10% off 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! Debt collectors hassling you? Take back control of your life at ⁠⁠⁠⁠⁠Guardian Litigation Group⁠⁠⁠⁠⁠ 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 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. Start budgeting for free today.

0:12.9

Normal is broke and common sense is weird. So we're here to help you transform your life from the Ramsey Network and the Fairwinds Credit Union Studio.

0:22.8

This is The Ramsey Show, and I'm Rachel Cruz hosting this hour with Dr. John Deloney.

0:28.5

And it's a special show because we're kicking off our money and marriage events and have many

0:33.9

people here in studio that are going to be attending the events, which is so fun. And so we are here, though, on this show to take your calls. So you can give us a call at AAA-8-25-5-2-25. The lines are open. So we're here to talk about your life and your money. Up first, oh gosh, all the way in Alaska. We got Aaron. Hi, Aaron.

0:55.3

Hi, how you doing?

0:56.1

We're doing great.

0:56.7

How can we help?

1:04.6

So my question is now that I am engaged to the most amazing woman in the world, when we do get married, we've agreed that we want to combine our finances into one account and do that together.

1:09.6

But one, I've never combined finances with anybody before, even in my first marriage

1:14.9

and two, is I actually kind of have some control issues that I know I have.

1:19.2

So my question is, is what advice would you guys give to people and how we can be successful

1:25.5

in doing that together?

1:26.8

It's a great question.

1:28.2

Very self-aware, Aaron.

1:30.2

Tell me about your control issues.

1:32.7

For a person with control issues to say that sentence out loud that tells me you're

1:37.9

pretty special.

1:39.9

What does control issues mean?

1:42.6

I've spent the last couple years in therapy kind of getting over my own personal things and stuff like that the last year or two. I think for me it's, I get really frustrated when, you know, part of it's kind of like not getting my way or I think this is the best way to do this. Why aren't we doing this way? And then just kind of micromanaging things and stuff like that. And I know it's been an issue in past relationships. I'm obviously so this isn't something that I want to get in the way with me and my fiance. Bro, this is what changing a family tree looks like in real life. I'm super proud of you, dude. Oh, thanks, man. Like for real, for real. To be able to say, I've hurt people in the

2:19.0

past, I've not been the guy that I want to be and I want to do something different and I'm going to go get the education and now I'm asking for wisdom on like, okay, rubber meets the road, how do I do this thing? That's how the whole country will change if people will start doing what you're doing right now. So hear me say, I'm proud of you, dude. It's awesome. Well done.

2:35.6

Thank you. The last couple years has been all about that. the whole country will change if people will start doing what you're doing right now. So hear me say, I'm proud of you, dude. It's awesome. Well done.

...

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