You Can’t Fix People by Funding Their Bad Decisions

The Ramsey Show

Ramsey Network

Business, Education, Investing, Self-improvement

4.6 • 36.7K Ratings

🗓️ 2 December 2025

⏱️ 127 minutes

🔗️ Recording | iTunes | RSS

🧾️ Download transcript

Summary

🤔 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Dave Ramsey and Dr. John Delony answer your questions and discuss: “How do we guide our daughter to make better choices?” “My mother has $38,000 in collections and can’t pay her bills. How do I help her through this mess?” “I made a mistake transferring my 401(k) into an annuity. What should we do to fix this?” “How do I go from being intense to intentional in baby step 6?” “Do I need to buy flood insurance?” “Should we do what our parents recommend and live together before marriage?” “Do we need long-term care insurance?” “Should I get a reverse mortgage to help my daughter?” “Should I invest in my 4th Airbnb?” “My in-laws want us to pay them back for tuition fees they lost when my wife dropped out of college” “We have a good income but are still living paycheck-to-paycheck. How do we get ahead?” “Should we pull from our emergency fund to buy a car?” “How do I talk to my client about paying me more?” “Should I move out of my parents’ house?” 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 by downloading the EveryDollar app⁠⁠⁠⁠⁠⁠ 📈 Free Tools & Resources to Help You With Investing and Retirement 🛒 ⁠⁠Lowest prices of the year—24 hours only. Don’t miss Cyber Monday gifts as low as $3.99!⁠⁠ 📘 Preorder What No One Tells You About Money today now and get $100+ in bonus items Connect With Our Sponsors: Stop paying more and start shopping smarter at ALDI. Amazon is making it easier than ever to find top gifts at amazing prices this season in the Holiday Shop. 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. 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. For more information, go to SimpliSafe. 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

Click on a timestamp to play from that location

0:00.0	Brought to you by the Every Dollar app. Start budgeting for free today.
0:13.6	Normal is broken. Common sense is weird. So we're here to help you transform your life.
0:20.5	From the Ramsey Network and the Fair Winds Credit Union Studio, this is The Ramsey Show.
0:25.8	I'm Dave Ramsey, your host, Dr. John Deloney, host of the Dr. John Deloney Show,
0:29.9	one of our more popular properties on the Ramsey Network, number one best-selling author
0:33.8	and Ramsey personality, Ph.D. and counseling, by the way, and after Thanksgiving, some of you probably need a little of that. Yeah. Open phones here at AAA 825-5-225. I'm not saying your family's crazy. I'm just saying somebody in your family's crazy. Yeah, that's our standing joke around here. If you think there's crazy in every family and and if you think there's not yours, that means it's you. So, yeah, welcome to Thanksgiving, and here we go to Christmas, baby. Yeah, just keep it rolling. The hits, they keep on coming. Bonnie's in Las Vegas. Hey, Bonnie, welcome to the Ramsey Show. Hi, Dave. How are you? Better than I deserve. What's up?
1:13.0	Amen.
1:14.8	Well, we've been longstanding huge fans of years, and we just appreciate everything you do.
1:21.6	And we have our 19-year-old. We adopted her when she was 16.
1:27.2	And so we did the best that we could,
1:29.0	you know, for the few years that we had where she was living under our roof, just teaching
1:34.2	her, you know, how to, um, how to save money, just be wise, you know, uh, with financial decisions.
1:41.1	Mm-hmm.
1:41.9	And ultimately, it just was not, um know, received well. And, you know,
1:49.3	so my husband and I think are at, um, are at odds because, you know, one thing led to another
1:56.2	and she just wasn't really making, um, wise choices in any area.
2:01.7	And it just kind of was a better situation for her to leave the home, you know,
2:06.4	because we have five little ones at our house as well.
2:10.4	That, you know, she was ultimately an example too as well.
2:13.4	But she's, you know, living with another family member, safe and good.
2:17.4	But she's in a situation now where, you know, living with another family member, safe and good.
2:23.6	But she's in a situation now where, you know, she doesn't have car insurance because she can't afford it.
	...

Transcript will be available on the free plan in 10 days. Upgrade to see the full transcript now.

Previous episode | Next episode

Disclaimer: The podcast and artwork embedded on this page are from Ramsey Network, and are the property of its owner and not affiliated with or endorsed by Tapesearch.

Generated transcripts are the property of Ramsey Network and are distributed freely under the Fair Use doctrine. Transcripts generated by Tapesearch are not guaranteed to be accurate.