You’ll Always Live Paycheck-to-Paycheck Until You Have a Budget

The Ramsey Show

Ramsey Network

Business, Education, Investing, Self-improvement

4.6 • 36.7K Ratings

🗓️ 2 September 2025

⏱️ 128 minutes

🔗️ Recording | iTunes | RSS

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Summary

🎟️ ⁠The Ramsey Show Live Tour: Tell us where we should go next!⁠ Jade Warshaw and Ken Coleman answer your questions and discuss: "Should we sell our home to get out of debt?" "I don't see how I can finish college without taking on more debt..." "Should I sell my rentals?" "Can I afford to retire now?" "How do I pay off a 401(k) loan?" "Should I take out a loan to speed up building my house?" "How do I financially prepare to leave my husband?" "Is it normal to have difficulties changing from using credit cards to cash?" "How do I make a budget?" "My ex-wife and I disagree on the purchase of our son's first car..." "The sale of our family business went sideways and wiped out my retirement..." "My car is totaled and I don’t have savings. Should I get a car loan?" "Should I pursue a relationship with a man when I'm not sure I trust him financially?" 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! ⁠ ⛰️ ⁠⁠Find out your Baby Step and get a plan for your money. ⁠ 💵 ⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠ 📈 For help with investing, get connected with a SmartVestor Pro. 📚 ⁠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 is a paid, non-client promoter of SmartVestor Pros. ⁠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.
0:08.8	Start budgeting for free today.
0:14.3	This is the Ramsey show where America hangs out to have a conversation about their life,
0:19.3	specifically their money, their work, and their
0:21.6	relationships.
0:22.4	You want to help you win in all of those areas.
0:25.7	The phone number for you to jump in today is AAA 825-5-2-2-25-2-5-2-5.
0:33.6	Alongside the fabulous Jade Warshaw, I'm Ken Coleman, and we are ready to go to help you.
0:39.6	Let's start it off with Dallas in Birmingham.
0:42.6	That's not confusing at all.
0:44.5	Dallas, how can we help?
0:48.1	Good morning.
0:49.6	Good afternoon.
0:50.5	I'm sorry.
0:51.0	That's okay.
0:52.5	Just wanted to, my wife, my lovely wife and I, of 26 years, we are just swamped in debt.
1:00.0	And I have been doing, we've been doing this for so long.
1:05.0	I am just, we're beating down with it.
1:07.5	So we're trying to get some help here.
1:10.6	We have a decision. Well, we were
1:14.0	kind of trying to decide what to do. Um, I were, uh, where do you want me to start? Um,
1:22.5	I have $76,000 in student loans. I did do two stupid moves.
	...

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