There's No Financial Progress Without A Plan

The Ramsey Show

Ramsey Network

Business, Education, Investing, Self-improvement

4.6 • 36.7K Ratings

🗓️ 11 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.⁠⁠⁠ George Kamel and Jade Warshaw answer your questions and discuss: "How do I tell my husband that his mother is holding us back financially?" "At my age, should I prioritize my 401(k) or life insurance?" "What is the next right step regarding housing choices?" "How do I become a stay-at-home mom?" "My parents are trying to join a retirement community and they are charging entrance fees. Is this a legit business?" "Can I pause the debt snowball to get into a more fulfilling career?" "How do I go about taking care of my fiancée's debt while still investing?" "My mother-in-law is moving in with us. How do I prevent that from derailing our marriage and finances?" 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. 💗 Two Weekends. One Life-Changing Experience. Get away with your spouse in Nashville. 💵⁠⁠ ⁠Start your free budget today. Download the EveryDollar app!⁠⁠ ❓ ⁠⁠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. Start budgeting for free today.
0:14.7	From the Ramsey Network, this is The Ramsey Show, where we help people build wealth, do work that they love, and create amazing
0:21.8	relationships. I'm George Camel, joined by my friend Jade Warshaw, and we're taking your calls at
0:26.6	AAA-825-25-2-25. You call us up. We'll do our best to give you the right next step for your life
0:33.8	and your money. Sarah is going to kick us off in Houston, Texas. What's going on,
0:37.9	Sarah? How can we help today? So my question is, how do I tell my mother-in-law, or my husband,
0:45.5	that my mother-in-law is holding us back financially? She's 60 years old. She doesn't work. We pretty
0:52.6	much pay for everything, her rent.
0:55.9	My husband has her car in his name, but she pays, like, the car note.
1:01.7	And she's constantly asking for money.
1:04.5	Like, at one point she was asking me for money and telling me not to tell my husband.
1:09.4	Yikes.
1:10.8	Well, this is a pattern.
1:12.4	This has been happening for a long time.
1:15.2	Yes, and he's in the past, maybe about 10 years ago, she actually lost her apartment,
1:21.0	like stop paying rent, lost it, and then had him move in with a friend.
1:24.6	And so he's been taking care of her.
1:26.3	Is she unwell?
1:27.3	Is she sick? She's not sick. She does collect like a check from the government. I think it's only $1,000. Disability? Yeah, disability. Do you know what that was for? What's the nature of that? I don't know. Okay. But nothing that you're seeing as a real issue to her working. No, because
1:45.2	I've seen her volunteer her time at like homeless shelters or like thrift stores and she'll tell
1:51.7	me, oh, I volunteered my time and they gave me a discount on X, Y, and Z. She's on the verge of being
1:56.9	in a homeless shelter. She needs to get to work. Is she divorced or did her husband pass away?
	...

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