You Don’t Have to Stay Broke

The Ramsey Show

Ramsey Network

Business, Education, Investing, Self-improvement

4.6 • 36.7K Ratings

🗓️ 25 August 2025

⏱️ 129 minutes

🔗️ Recording | iTunes | RSS

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Summary

🎟️ The Ramsey Show Live Tour: Tell us where we should go next! Rachel Cruze and Ken Coleman answer your questions and discuss: "I'm broke and overextended on my home," "What should I do with a life insurance payout?" "How do I overcome my anxiety around renting?" "We're newly married and behind on our bills. How do we catch up?" "My fiancé wants me to use my savings to renovate his parents' home," "Why do you encourage kids to move out at a young age?" "Should I focus on my or my wife's debt first?" "In our situation, can we combine finances before we get married?" 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!⁠⁠⁠⁠⁠ 💵⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⛓️‍💥 Tired of debt? Grab Breaking Free From Broke now! 📚 Set and actually reach your goals with the NEW 2026 Ramsey Goal Planner! Hurry—they sell out every year! 📈⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠Are you on track with the Baby Steps? Get a free personalized plan.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ 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.
0:05.7	Start budgeting for free today.
0:13.3	This is the Ramsey show where America hangs out to have a conversation about their money, their work, and their relationships.
0:20.0	We're so excited to have you with us today.
0:22.2	AAA 8255-2-2-2-5.
0:25.3	It is the phone number, AAA 825-5-2-25.
0:29.3	Alongside the lovely Rachel Cruz, I'm Ken Coleman.
0:32.8	You ready to go, partner?
0:34.4	I'm ready, partner.
0:35.4	What a good day.
0:36.6	It's a good day. Lacey joins us first in
0:39.2	Jacksonville, Florida. Lacey, how can we help? Yes, I'm just trying to get advice. I'm
0:45.9	kind of stuck financially. I purchased my home about 400,000 beginning of 2024 with the interest rates.
0:57.5	It's not really affordable.
1:00.5	I thought that I could refinance, but it's really, I make a good salary,
1:07.2	but I'm kind of living paycheck to paycheck, unable to fade.
1:11.3	The debt that I have, it's kind of living paycheck to paycheck unable to pay. The debt that I have is kind of just there hanging around, not going anywhere,
1:17.4	and I just want to get out of this house, or I don't really have a solution to remedy
1:24.7	this poor financial decision that I made for myself.
1:29.6	Okay. Lacey, how much is your house payment every month?
1:35.0	3,100.
1:36.7	3,100.
	...

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