You Can’t Hack Your Way Out of Debt

The Ramsey Show

Ramsey Network

Business, Education, Investing, Self-improvement

4.6 • 36.7K Ratings

🗓️ 11 September 2025

⏱️ 127 minutes

🔗️ Recording | iTunes | RSS

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Summary

🤔 ⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠ Dave Ramsey and Dr. John Deloney answer your questions and discuss: "Should I lock my husband out of our savings account to stop his spending?" "How do I pay off debt as a single mom?" "Should I finance a car with my company's stipend?" "Is it wise for me to be paying my mom's life insurance policy so it will clean up her mess when she passes?" "Is my total net worth too tied up in real estate?" "We're drowning in personal and business debt. Should we file for bankruptcy?" "Should I pull from my IRA to build a cabin or just take out a loan?" "Should I just let go of the idea of marrying my partner?" "I just got divorced at 73 years-old. How do I make my last $100,000 last into retirement?" "Should I pay my mortgage off when a family member is the loan holder?" "My mortgage lender is highly encouraging me to refinance in order to free up my income to pay off debt" "Our family owned farm has grown 3x in equity. Should we sell it and invest the proceeds?" "We make $200,000 but can't seem to get back on track. What are we doing wrong?" 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. 📱 ⁠⁠⁠⁠⁠Get episodes early in the free Ramsey Network app! ⁠⁠⁠⁠⁠ 📈⁠⁠⁠ ⁠Are you on track with the Baby Steps? Get a free personalized plan.⁠⁠⁠⁠ 🎟️ ⁠⁠⁠⁠⁠Two Weekends. One Life-Changing Experience. Get away with your spouse in Nashville. ⁠⁠⁠⁠ 💵 ⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠ 🛡️ ⁠⁠⁠Get trusted insurance coverage that fits your budget.⁠⁠⁠ 👫 Check out our free Term Life Insurance Guide for helpful info and resources. 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.
0:07.0	Start budgeting for free today.
0:14.8	Normal is broke and common sense is weird, so we're here to help you transform your life.
0:22.1	From the Ramsey Network and the Fairwinds Credit Union Studio, this is the Ramsey Show.
0:27.7	I'm Dave Ramsey, your host, Dr. John Deloney, Ramsay, personality, number one bestselling author,
0:32.2	and host of the Ramsey Network, Dr. John Deloney's show, is my co-host today.
0:37.7	Open phones here at AAA 8255-225.
0:41.7	Joan is in Florida.
0:43.0	Hi, Joan.
0:43.5	How are you?
0:44.5	I'm good.
0:45.3	How are you?
0:46.0	Better than I deserve.
0:47.1	What's up?
0:48.6	I have a question.
0:50.2	I would like to know if it's okay if I lock my husband out of my savings account.
0:59.8	Wow.
1:00.7	Tell me more.
1:01.6	Sounds pretty dramatic.
1:03.6	Yeah, it is.
1:04.6	We've been married for 45 years.
1:08.4	Probably 20 some years ago, we got into some credit card debt, a lot of credit card debt
	...

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