Your Bank Account Shouldn’t Define You
The Ramsey Show
Ramsey Network
4.5 • 38.5K Ratings
🗓️ 15 April 2026
⏱️ 126 minutes
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| 0:00.0 | Brought to you by the Every Dollar app. |
| 0:07.1 | Start budgeting for free today. |
| 0:14.4 | Normal is broke and common sense is weird. |
| 0:17.5 | So we're here to help you transform your life. |
| 0:20.2 | From the Ramsey Network in the Fairwinds Credit Union Studio, this is The Ramsey Show. |
| 0:25.5 | I'm George Campbell, joined by my pal and co-host of Smart Money Happy Hour, Rachel Cruz, |
| 0:30.4 | and we're taking your calls at AAA 825-5-225. |
| 0:35.7 | NIA is going to kick us off in Cleveland, Ohio. NIA, did I get that right, or is it Naya? Naya. Yes. First try. All right, we're off to a great start. Naya, how can we help today? Hi. So I was just wondering kind of what me and my husband should set up our budget on, just to give you a quick back story. |
| 0:54.9 | Me and my husband, we eloped, we got married early because we wanted to just have a good foundation going forward into our wedding as far as finances. |
| 1:03.1 | I work in real estate, so the insurance rates got super high for me, and I was like, well, let's elope, get on a normal insurance and then put the rest |
| 1:12.0 | of our money so that we could cash flow our wedding versus pulling from either of our savings. |
| 1:17.2 | And we've mostly been able to do that, except for the final cost of the, like, the food |
| 1:22.8 | based off of the head count. But I just started reading your total money makeover book. |
| 1:29.0 | Our original goal was to buy house probably within the next year, a year after the wedding, |
| 1:36.2 | the wedding this coming May. But after starting your book, I realized that we may not have |
| 1:42.1 | enough to start it based off of the three to six months in savings. |
| 1:47.1 | Currently, we have about 30,000 in savings. |
| 1:50.1 | Most of it is in a high-yield savings account, and we don't touch it whatsoever, again, except for pulling for the final count for the food. |
| 1:58.9 | And I thought that was a good amount moving forward to, you know, |
| 2:03.0 | get a house. But our three to six months work, our six months worth of savings is about $24,000. |
| 2:10.3 | So I was like, oh, maybe we don't have as much as I thought. And so I wanted to know your guys' |
| 2:14.7 | wisdom on, okay, how much do we need to start saving for our house? We're both completely death-free. We paid our ways through college. We don't have car loans or anything like that. And currently we rent. Awesome. Well, you guys are doing great. I want to encourage you everything you've laid out. I'm like, they are crushing it. And I'm glad the book just kind of gave you a little pause to go, hey, we're going to be broke if we just jump into a house with close to nothing down or nothing in savings. So you're right that we've got to get through this wedding first. Then we'll see what's left money-wise. Make sure we get the emergency fund. Then anything beyond that becomes our down payment savings plan. |
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