When Money Gets Complicated, Clarity and Wisdom Matter Most

The Ramsey Show

Ramsey Network

Education, Investing, Business, Self-improvement

4.5 • 38.5K Ratings

🗓️ 30 January 2026

⏱️ 127 minutes

🔗️ Recording | iTunes | RSS

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Summary

💵 ⁠Your Money Questions Answered by Ask Ramsey!⁠ 🚢 ⁠Book your cabin: Save $300 this week only! ⁠ Jade Warshaw and George Kamel answer your questions and discuss: "We have $153,000 of debt, should we file for bankruptcy?" "My husband accused me of overspending and put restrictions on my access to our finances. What should I do?" "My parents want me to take over their Parent PLUS loans" "I owe my college $36,000 and they want me to settle the balance within the next 6 months. What should I do?" "Should we gift our inherited home to our mother?" "How should I spend my bonus?" "Everyone is saying there will be a market correction, should I move my retirement funds into a money market?". 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!⁠⁠⁠⁠⁠⁠ 🤔 ⁠⁠Think you're good with money? Take our free quiz!⁠⁠ 🚢 ⁠⁠Book your cabin: Save $300 this week only! ⁠⁠ 🏠 Get organized and prepared to buy or sell a home 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.
0:07.0	Start budgeting for free today.
0:12.4	Normal is broke and common sense is weird, so we're here to help you transform your life.
0:17.6	From the Ramsey Network and the Fairwinds Credit Union studio this is the ramsie show i'm jade
0:22.1	warshan next to me george campbell taking your calls going to the phone lines where we have
0:27.3	heather in indianapolis indiana heather what's up hi how are you guys doing good how can we help
0:33.9	um long story short um i got married in August, and once we combined it some finances, I found
0:42.9	out that my husband had a lot of gambling debt.
0:47.1	I had a baby in October, and my husband tore his Achilles in May.
0:52.7	So he's currently not working, and I just went back to work
0:56.7	from having my baby. Basically, I found out in December that he's got 150k in debt. Most of it is
1:06.6	from gambling, and he didn't think he was going to be alive to face the consequences that led
1:11.9	up to this debt, unfortunately, but he met me and we got married and had a baby and things
1:17.7	have changed.
1:18.5	Wow.
1:19.1	So you quite literally saved his life?
1:22.1	Correct.
1:22.8	Yeah.
1:22.9	We kind of both saved each other and, you know, that's why I fell in love with him, I guess.
1:28.9	Wow. So do you know about this gambling issue before you got married? I knew he gambled, right? Like when we won
1:35.5	25,000 in Vegas, it's great. Sure. But when he lost 16,000 in one day, it's not. So I knew about
1:43.7	it. I just didn't know how bad it was until after the fact, right? I started asking more questions once I knew.
	...

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