You Can’t Build a Future on Borrowed Money

The Ramsey Show

Ramsey Network

Business, Education, Investing, Self-improvement

4.6 • 36.7K Ratings

🗓️ 15 July 2025

⏱️ 125 minutes

🔗️ Recording | iTunes | RSS

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Summary

📈 ⁠Are you on track with the Baby Steps? Get a Free Personalized Plan⁠ Dave Ramsey and Dr. John Delony answer your questions and discuss: "How can I explain to my girlfriend that if she moves in with me, I can pay down debt faster?" "I have been paying on my car since 2017, but I owe more now than the original purchase price. How is this happening?" "I am $280,000 in debt on business credit cards, should I file for bankruptcy?" "Should we buy our car that was totaled by the insurance company?" "Should I move into the parsonage for my church?" "Should I get solar panels now before the tax credits expire due to the 'Big Beautiful Bill'?" "I'm being sued by my mom's ex-landlord, should I be worried?" "Where should my family invest our nest egg?" "Should I cancel my universal index policy?" "How much can I spend on travel while in retirement?" "How do I adjust as a newly single mom?" "How can I get more income while I'm on workers' comp?" "How do we structure a prenup? My fiancé's family is crazy and I don’t want them to have access to my inheritance" 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! 📖 Buy 1 Book, Get 1 Half Off! ❤️‍🩹 Get trusted insurance coverage that fits your budget. 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.
0:06.9	Start budgeting for free today.
0:16.8	Live from the headquarters of Ramsey Solutions, it's the Ramsey Show, where we help people build wealth, do work that they love and create actual amazing relationships.
0:31.2	Dr. John Deloney, Ph.D. in counseling, Ramsey Personality, number one bestselling author, host of the Dr. John Deloney show on Ramsey Networks.
0:38.3	He's my co-host today. Open phones here at AAA 825-5-225. Josh is in Orlando. Hey, Josh, what's up?
0:47.5	Hi, Dave. How are you today? Better than I deserve. How can I help?
0:52.3	I have a quick question.
0:58.2	My girlfriend and I, we've been together for a little bit under a year and a half,
1:01.7	and we're finally starting to have that talk about moving in together.
1:04.3	Now, I am 25.
1:06.5	I make $100,000 salary.
1:07.8	I'm doing well for myself.
1:09.5	She's actually a teacher.
1:15.8	So, as you can assume, she's making less than what we would wish she was making.
1:26.5	So when moving in together, the conversation arose of, hey, if I move in, we'll be splitting 50-50 everything because we aren't married or anything like that.
1:29.6	And you'll have extra free money to spend.
1:34.7	I'm currently on step two, so she asked me what that extra money would go towards.
1:35.8	And I said debt.
1:42.1	Her response was a little unnerving in the fact of she said, well, technically you're saving that money because of me.
1:50.4	So I feel like that money that you're saving should go into a savings account for us and our activities,
1:54.4	since you wouldn't be saving that money if we weren't living together.
1:55.8	Wow. What a mass.
	...

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