You Can’t Outearn Bad Spending Habits Forever

The Ramsey Show

Ramsey Network

Business, Education, Investing, Self-improvement

4.6 • 36.7K Ratings

🗓️ 26 November 2024

⏱️ 84 minutes

🔗️ Recording | iTunes | RSS

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Summary

📈 Are you on track with the Baby Steps? Get a Free Personalized Plan 📱Watch the full episode for free in the Ramsey Network app. Dave Ramsey & Rachel Cruze answer your questions and discuss: "I hate my job and want to get out of debt," "What's the benefit of using an escrow account?" "I'm behind on my credit card payments," "How do I get my kids off my payroll?" "Should I invest in real estate?" Support Our Sponsors: 🌱 Get 10% off your first month of BetterHelp 🏥 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 💤 Visit Helix Sleep for special offers! 💻 Visit NetSuite today to learn more 🗂️ 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! Next Steps 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! 🎟️ See Dave and John LIVE in a city near you! 💵 Start your free budget today. Download the EveryDollar app! 🛒 Black Friday deals are here! Get meaningful gifts for as low as $8! Listen to more from Ramsey Network 🎙️ The Ramsey Show 🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Transcript

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0:00.0	Hey guys, Black Friday week is here with five days of deals starting at just $12.
0:05.9	Go to Ramsey Solutions.com slash store to check them out.
0:38.8	Live. 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.
0:44.3	Rachel Cruz, number one, bestselling author, Ramsey personality, my daughter, is my co-host today.
0:46.3	Open phones at AAA-25-5-2-225.
0:51.9	Elena is in Huntington, West Virginia.
0:55.1	Hi, Elena, how are you?
0:57.6	I'm doing good.
0:58.8	How are you?
0:59.5	Better than I deserve.
1:00.8	What's up in your world?
1:03.3	So, I've been watching you for a long time for years now, and I have just saved my $1,000.
1:10.9	Good. And I am also drowning my $1,000. Good.
1:11.4	And I am also drowning in student debt, credit card, and my car loans.
1:16.8	I do have a job.
1:18.7	I make about $50,000.
1:20.6	My debt is a little bit more around $65,000.
1:24.2	I hate my job and I want to go to school, but I don't know if that's a good idea because of the amount of debt that I have.
1:32.3	I'm trying to figure out what the best way is to get out of this mess, basically.
1:38.2	What's your current job? What do you work in that you're not enjoying?
1:42.8	I work in property management. I'm an assistant property
1:45.6	manager. Okay. And is it the field that you're not enjoying or is it the specific company,
	...

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