You Can’t Heal Your Finances Without Changing Your Habits

The Ramsey Show

Ramsey Network

Education, Investing, Business, Self-improvement

4.5 • 38.5K Ratings

🗓️ 9 March 2026

⏱️ 126 minutes

🔗️ Recording | iTunes | RSS

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Summary

❓ ⁠⁠⁠⁠⁠⁠⁠⁠⁠Have a money question? Ask Ramsey is here to help.⁠⁠⁠⁠⁠⁠⁠⁠⁠ 📈 ⁠⁠⁠⁠⁠⁠⁠⁠⁠Are you on track with the Baby Steps? Get a Free Personalized Plan.⁠⁠⁠⁠⁠⁠⁠⁠⁠ Ken Coleman and Jade Warshaw answer your questions and discuss: "My in-laws want us all to buy a house together, is it a good idea?" “How do I talk to my fellow soldiers about how the government has normalized debt for us?” “My dad keeps asking us for money. How do I talk to him about getting another job?” “I work two jobs but it's still not enough. Is there anything else I should be doing?” “My boyfriend lied to me about his financial situation, how should I move forward?” 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!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠ 🚢 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Set sail with Dave Ramsey. Book your cabin today⁠⁠ 💻 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Need help with your taxes? See who we trust⁠⁠ 🏠 Get organized and prepared to buy or sell a home Connect With Our Sponsors: Get 10% off your first month of ⁠BetterHelp⁠ Go to ⁠Boost Mobile⁠ to switch today! If you want your car to keep going and going, trust ⁠Christian Brothers Automotive⁠. Find a local shop and get an exclusive Ramsey discount of 10% (up to $250) off 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. Get started with ⁠YRefy⁠ or call 844-2-RAMSEY Visit⁠ Zander Insurance⁠ or call 1-800-356-4282 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.
0:07.4	Start budgeting for free today.
0:13.4	Normal is broke and common sense is weird, so we're here to help you transform your life and your money from the Ramsey Network in the Fair Ones Credit Union
0:21.2	studio this is the Ramsey show I'm jade warsha and next to me for a change
0:26.9	kenneth that guy Coleman it's right I'll be delivering UPS packages later today I've got the
0:33.8	full outfit on today people are a little bit shocked by the monochromatic.
0:37.9	Oh, I see what you got going. That's the Doug Heffernon. I see what you got. The audience can't
0:41.1	see, but I have matching pants with the shirt and it's throwing people off, Kelly. I don't know why, but it is. So I'm going to moonlight tonight and drop some packages off. I think we'll survive the change. If you got any packages, let me know I'll drive them out, you know.
0:53.0	The white sneakers and everything. Okay. Full UPS.
0:56.0	We're excited. We're ready to go today.
0:57.9	Yeah, let me know I'll drive them out, you know. The white sneakers and everything. Okay.
0:55.0	Full UPS.
0:56.0	We're excited. We're ready to go today. Yeah, let's do it. Let's get into the phone lines. We've got Whitney, who's in Nashville, Tennessee, right down the street. What's up, Whitney? Hi, thanks for taking my call. Yeah, you bet. How can we help? So I'm trying to figure out how to protect my finances.
1:17.3	My husband and I have done Dave Ramsey on and off the program.
1:20.5	And due to addiction, there has been just some changes.
1:24.8	And so if separation is what is about to happen,
1:27.8	I'm trying to figure out how to protect finances.
1:32.1	Okay. So let's, since we're separating them, I'm sorry that this is happening, let's look at it
1:39.0	individually. Tell me about how much money you make. Tell me about that side. Because when you say you're
1:45.4	separating finances, is he moving out as well?
1:50.1	We don't really know. I'm hoping a program to get help kind of thing, but I don't know.
1:56.8	Okay. So then for now, what I want to ask is you're separating the money, but is he going to give you portions of his paycheck to help pay the home bills?
	...

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