You Don’t Have To Live One Emergency Away From Broke

The Ramsey Show

Ramsey Network

Business, Education, Investing, Self-improvement

4.6 • 36.7K Ratings

🗓️ 5 September 2025

⏱️ 126 minutes

🔗️ Recording | iTunes | RSS

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Summary

📈 Think you’re good with money? Take our Money in America quiz! Jade Warshaw and Dr. John Delony answer your questions and discuss: "How can I maintain my credit and keep my home despite a separation from my husband?" "Should I sell my home to pay off $125,000 of debt?" "How do I tell my fiancé to stop paying his parents' mortgage?" "How do we keep the "hustle" going after Baby Step 2?" "I'm living off credit cards, is selling my business a good way to pay off my debt?" "How should we finance the remodel of our house?" "My son is asking for more money for school overseas, what should we do?" "How do I tell my 75-year-old sister that I cannot be her lifelong safety net?" 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! ⁠⁠⁠⁠ 🎟️ ⁠⁠⁠Two Weekends. One Life-Changing Experience. Get away with your spouse in Nashville. ⁠⁠⁠ 💵 ⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠ 🏠 Get organized and prepared to buy or sell a home. 📚 ⁠⁠⁠⁠⁠Set and actually reach your goals with the NEW 2026 Ramsey Goal Planner! Hurry—they sell out every year!⁠⁠⁠⁠⁠ 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. Start budgeting for free today.
0:13.4	Normal is broke. Common sense is weird. So we're here to help you transform your life.
0:19.5	From the Ramsey Network in the Fair Ones Credit Union Studio. This is the Ramsey Show. If you want to get involved in the conversation about your life and your money, it's easy to do that. The number is triple 8, 825, a 5-225. And we'll get you on the line. I'm Jade Warshaw next to me, Dr. John Deloney, chopping it up with you for the next couple hours. Let's go to the phone lines where we have Lee, who's in Charlotte, North Carolina.
0:42.6	Lee, what's going on? How can we help? Hi, I'm so excited. This is a happy day so I can get to
0:48.6	talk to you guys. So recently, my husband left four weeks ago today.
0:56.2	And the reason why he left is because I had found out that he took, there was a, back in 2021, he never paid a debt.
1:05.5	And I went to go get renovations on my house and found out that there was a lien against my home. And it was in his
1:13.1	name. So this was 2021. So since then, in December, I paid that lien off with a he lock loan because I
1:21.6	didn't want it to go against my house. He was on the deed. Since then, I have found out majorly, sorry.
1:28.4	It's okay.
1:30.2	Stuff that he was done.
1:32.5	So he got called, and I guess he may be getting garnished wages.
1:37.1	Because he left after I gave him a few choice words,
1:41.1	and I found out that he had changed his address
1:43.3	and that the state was coming
1:45.1	after him from our 24 IRS that we filed together. That was the only year. And he, they took
1:53.1	his half and then he took mine. So I am drowning here because he left. He has not held his
1:59.8	responsibility any of the debt. So in North
2:04.1	Carolina, they can take your 401k, they can take your half in your house. Okay, so I have worked.
2:10.8	Oh, go ahead, hon, go ahead. So for eight years, I have worked my tail off for my 401k where I put it in a raw, so I'm gaining
2:20.9	like $3,000 a month. I'm 59 years old.
2:25.2	Okay. So let me back up. Let me back up here, okay? Help me help me understand the situation
	...

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