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The Ramsey Show Highlights

What To Do When You're In Financial Crisis

The Ramsey Show Highlights

Ramsey Network

Business, Investing, Education, Self-improvement

4.5839 Ratings

🗓️ 5 January 2026

⏱️ 10 minutes

🧾️ Download transcript

Summary

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Transcript

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0:00.0

Brought to you by the Every Dollar app.

0:04.3

Start budgeting for free today.

0:06.5

When you are in crisis with your money, here's what you do.

0:13.6

Take four steps back.

0:17.0

You're too close.

0:20.0

And you can't see the forest for the trees meaning you got you have a tree

0:23.3

branch stuck in your nose and you can't see past it and then the drama builds up in your head

0:29.9

and you spin out and when you spin out you are of no value for critical thinking

0:37.2

because when you drop into lizard you are of no value for critical thinking.

0:41.5

Because when you drop into lizard brain, fight or flight mode,

0:44.6

which is where our last caller was,

0:48.0

that means you've slipped everything into the front side of your brain and there's no critical thinking skills there.

0:51.4

And cleaning up a financial mess, ascertaining where the financial mess came from

0:58.0

so that it doesn't come back is a critical thinking process. So it requires that you take a deep

1:05.2

breath, take a cold shower, two steps back, and start going, okay, I'm going to pretend someone hired

1:13.7

me to talk to these people, and these people happen to be me. And I'm going to start walking

1:20.2

that through. Then the first thing you do is you make sure that the family has money for food,

1:25.7

not restaurants, food.

1:29.8

Restaurants aren't food.

1:31.1

Restaurants are entertainment.

1:33.5

Food.

1:34.8

And that the family has the lights and the water and the gas bill paid, the heat is on.

...

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