Winning With Money Is More About Hope Than Math

The Ramsey Show

Ramsey Network

Business, Education, Investing, Self-improvement

4.6 • 36.7K Ratings

🗓️ 20 June 2025

⏱️ 119 minutes

🔗️ Recording | iTunes | RSS

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Summary

🔗⁠⁠⁠ ⁠⁠⁠⁠Share the Ramsey 101 Playlist!⁠⁠⁠⁠ Dave Ramsey and Ken Coleman answer your questions and discuss: "I was accidentally overpaid by my employer and now they want me to pay back $48,000." "Should I take over the car payment that my soon-to-be ex-husband is failing to pay?" "How can I convince my wife that we're set for retirement and don't have to make "the pie" bigger?" "Should I buy a boat?" "My husband says we can't afford a baby. Is he right?" "Should I continue working for my father or find another job?" "My husband wants to invest in gold but I want to invest in real estate. What should we do?" "How can I pay off my student loans at age 70?" "I owe $15,000 on my car and it doesn't run. How do I get rid of it?" Next Steps: ✅ ⁠⁠⁠Help us make the show better by taking 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.⁠⁠⁠ 📈 ⁠⁠⁠Are you on track with the Baby Steps? Get a Free Personalized Plan⁠⁠⁠ ✔️ ⁠⁠⁠Help us make the show better. Please take this short survey⁠ 📱 ⁠Download the free Ramsey Network app! ⁠ 📈 ⁠⁠Free Tools & Resources to Help You With Investing⁠ 🏠 ⁠⁠Get organized and prepared to buy or sell a home 💵 ⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠ 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! Save 15% on your first ⁠⁠⁠Field of Greens⁠⁠⁠ order with code RAMSEY Find top Health Insurance Plans at ⁠⁠⁠Health Trust Financial⁠⁠⁠ To find out more about student loan refinancing, check out⁠⁠⁠ Laurel Road⁠⁠⁠ Use code RAMSEY to save 20% at ⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠ Visit⁠⁠⁠ NetSuite⁠⁠⁠ today to learn more Use promo code RAMSEY for 18% off at ⁠⁠⁠The Nokbox⁠⁠⁠ Learn more about ⁠⁠⁠Timothy Plan⁠⁠⁠ 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 is a paid, non-client promoter of SmartVestor Pros. ⁠⁠⁠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.
0:10.6	Live from the headquarters of Ramsey Solutions, it's the Ramsey Show.
0:15.5	We help people build wealth, do work that you love, and create actual amazing relationships.
0:25.0	Ken Coleman-Ramsie personality, number one bestselling author,
0:28.4	and host of the new Ramsey Network's big hit called Front Row Seat.
0:34.5	Oh, some long-form interviews with world changers.
0:37.0	You've got to be checking him out.
0:38.1	He's my co-host today. Open phones at AAA-825-5-225. Rachel is in Nashville. Hi, Rachel. How are you?
0:47.6	I'm good. How are you? Better than I deserve. What's up?
0:51.7	I have a very complex payment situation that I need advice for.
0:58.5	So we started, we took your class, my husband and I back in September, October.
1:04.0	It completely changed our life.
1:06.1	We've been rapidly paying off debt, building up savings.
1:14.1	However, in the month of October, I work for very large company, and there was a payroll error where they accidentally paid me $50,000,
1:23.4	$48,000, to be exact, gross payment in error.
1:28.9	I told them before it hit my bank account, but unfortunately it was too far gone at that point.
1:36.0	After taxes, I received net $28,000.
1:41.4	Approximately $3,300 of that was my paycheck.
1:45.0	And again, I told them before it hit my account, but they took so long to correct the error and get me my debt repayment letter.
1:54.0	We're now 10 months in the future.
1:57.0	And because it crossed the tax year, they're asking for gross repayment, which is requiring
2:02.4	me to come up with an extra approximately $23,000 of my own.
	...

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