You Can’t Fix Your Money Problems Without Facing Them

The Ramsey Show

Ramsey Network

Business, Education, Investing, Self-improvement

4.6 • 36.7K Ratings

🗓️ 29 May 2025

⏱️ 89 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 Rachel Cruze answer your questions and discuss: "How do I buy a car in the midst of a divorce? " "How do I pay off my $1.8 million of debt?" "What do you think about companies displaying "tariff costs" on their prices? " "How do I get my girlfriend and I on the same page financially?" "Our mortgage broker won't put me on the mortgage because I don't have any credit" "I'm behind on my bills, how do I get out of $35k of debt?". 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.⁠⁠⁠⁠⁠⁠⁠ 📱 ⁠⁠Watch the full episode for free in the Ramsey Network app.⁠ 💰 ⁠⁠⁠⁠⁠Hurry—Your chance to win $5k is almost over! Enter the Ramsey Cash Giveaway today!⁠⁠⁠ 🏠 ⁠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 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 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.
0:13.4	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
0:26.0	amazing relationships. I'm Dave Ramsey, your host, my co-host today, Rachel Cruz, number one,
0:31.5	bestselling author, and a host of the Rachel Cruz show, co-host of Smart Money Happy Hour,
0:36.8	all on Ramsey Networks and my daughter.
0:39.3	She's going to be answering the questions today, and I'm going to watch.
0:42.2	Open phones at AAA 825-5-225.
0:46.3	Nathan is in Birmingham.
0:48.5	Hi, Nathan, what's up?
0:50.6	Hi, Dave, thanks for taking my call.
0:53.1	Sure.
0:53.7	I got a question. It's kind of a rough situation. I need to know the best way to buy a used
1:00.5	car going through a pretty nasty divorce. My car finally just bit the dust. My buddy said
1:07.5	it can't. It's the transmission's out. The frames rust and I'm the type that just drives them until they're dead.
1:14.3	The problem is I don't know what my soon-to-be ex did with the finances. She split up everything, left me with almost nothing.
1:21.8	My lawyer's been trying to work on finding that out, but she's not working with a lawyer.
1:27.5	So I just need to know the best way to do this.
1:30.3	If we combined everything, we have the money to do that.
1:33.9	But she basically has held me to either get a car loan or, which I don't like doing because we found I got out of debt.
1:39.9	But I just need to know the best way to approach this without having to go out.
1:46.1	How long have you been separated, Nathan?
1:48.3	About five or six months.
	...

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