You Work Too Hard to Stay This Broke

The Ramsey Show

Ramsey Network

Business, Education, Investing, Self-improvement

4.6 • 36.7K Ratings

🗓️ 13 June 2025

⏱️ 127 minutes

🔗️ Recording | iTunes | RSS

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Summary

🔗⁠ ⁠⁠⁠⁠Share the Ramsey 101 Playlist!⁠⁠ Dave Ramsey and Jade Warshaw answer your questions and discuss: "We make $300k a year but we are living paycheck to paycheck." "My husband's family expects us to pay the expenses for their lake house. How do we deal with this?" "I have to work all the time as a single mom. How do I avoid burnout while in this grind?" "75% of my take-home pay is going to mortgage payments. I feel like I'm underwater, how do I get out of this?" "Can I do a 30-year mortgage and pay it like a 15-year mortgage?" "How can we recover from a crypto scam that took $243K of our money?" "Should I have a wedding celebration or just elope to save money?" "How do I get over the regret of losing my retirement savings to a scam?" "Should I give up gambling?" "My dad isn't interested in talking about the succession plan for our family business, how do I start the conversation with him?" Next Steps: ✅ ⁠Help us make the show better by taking 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.⁠ 📈 ⁠Are you on track with the Baby Steps? Get a Free Personalized Plan⁠ ✔️ ⁠Help us make the show better. Please take this short survey⁠ 🛡️ ⁠Get trusted insurance coverage that fits your budget.⁠ 💗 Two Weekends. One Life-Changing Experience. Get away with your spouse in Nashville. 💵 ⁠Start your free budget today. Download the EveryDollar app! 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! Save 15% on your first ⁠Field of Greens⁠ order with code RAMSEY Find top Health Insurance Plans at ⁠Health Trust Financial⁠ To find out more about student loan refinancing, check out⁠ Laurel Road⁠ Use code RAMSEY to save 20% at ⁠Mama Bear Legal Forms⁠ Visit⁠ NetSuite⁠ today to learn more Use promo code RAMSEY for 18% off at ⁠The Nokbox⁠ Learn more about ⁠Timothy Plan⁠ 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.
0:12.3	Live from the headquarters of Ramsey Solutions, it's the Ramsey Show. We help people build wealth, do work that you love, and create actual amazing
0:26.4	relationships. Jade Washall, number one bestselling author, Ramsey Personality, is my co-host
0:31.7	today. The phone number here if you folks want to talk is AAA 825 825-5-2-2-25.
0:38.5	Maria is in New York City.
0:40.8	Hi, Maria.
0:41.3	How are you?
0:42.5	Hi, I am so excited to be on with you both, and thank you so much for taking my call,
0:47.4	and you two are my favorite combination.
0:49.4	So thank you.
0:50.0	How are you guys?
0:50.8	You say that to everybody.
0:52.5	You say that to all the personalities.
0:55.7	Never.
0:57.3	What's up today?
0:59.0	Oh, my goodness.
1:00.2	So really excited to speak to you.
1:02.7	I know I'm walking into the bear cage, very nervous, but my husband and I, we make a combined
1:07.2	income of almost $300,000, And we're living paycheck to paycheck.
1:12.5	We have two kids.
1:13.9	We have been Ramsey-ish for about two years, but life keeps getting in the way between
1:19.0	funeral expenses for family.
	...

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