There’s No Shortcuts to Financial Freedom

The Ramsey Show

Ramsey Network

Education, Investing, Business, Self-improvement

4.5 • 38.5K Ratings

🗓️ 30 May 2024

⏱️ 119 minutes

🔗️ Recording | iTunes | RSS

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Summary

💵 Sign-up for EveryDollar today - The simplest way to budget for your life! Jade Warshaw & Rachel Cruze answer your questions and discuss: Living paycheck to paycheck making almost $500K per year, Taking a pay cut to leave a toxic work environment, "Should we charge our friends for our small business services?" Why cash back credit cards aren't all they are cracked up to be, The importance of being on the same page with your spouse, What is "spaving"? Support Our Sponsors: Zander Insurance NetSuite BetterHelp Health Trust Financial Next Steps 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! 📚Get 20% off bestsellers! Whether you’re ready to kick debt to the curb, want to live a less-anxious life, or looking for growth in your job—there’s hope. 💰 Enter the $3,000 Ramsey Cash Giveaway today! Enter daily to increase your chances of winning weekly $500 prizes or the $3,000 grand prize. 📈For help with investing, get connected with a SmartVestor Pro. ☂️ Protect yourself with the right coverage—take our coverage quiz! 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 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Transcript

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0:00.0	Live from the headquarters of Ramsey Solutions, it's the Ramsey Show where we help
0:18.0	people build wealth, do work that they love and create actual amazing relationships.
0:23.6	I'm Jaid Warsaw. I'm joined today by best-selling author Rachel Cruz.
0:27.8	Thank you for being here with me today, Rachel.
0:29.8	So great Jay.
0:30.8	It's a good show.
0:31.8	It sure is. All hour we're going to be taking calls about your life and
0:34.6	your money so give us a call. The number is triple 8 8 2.5. 5. 225 will
0:40.0	take your call and we will give you our best shot at advice. I think we do a pretty good job but I guess at the end of the day it's up to you.
0:47.0	So let's go straight to the phone lines where we've got Jason from San Jose
0:51.4	California.
0:52.6	What's going on, Jason?
0:54.5	All right, thanks for taking my call.
0:57.0	The problem that we're having is my wife and I can't decide
1:01.0	if we're in baby steps three four five or six and we seem to be moving in and out of
1:07.6	those those baby steps.
1:09.6	Okay tell me more. Well, we make about $320,000 is our household income.
1:18.0	We've got two mortgages, one on our primary home,
1:21.0	with about $220,000 left to pay on it.
1:25.0	And then we have a rental property that we break even on every month,
1:28.5	and we've got about $300,000 left on that.
1:31.5	We both save for our retirement and we max that out every year
	...

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