Your Financial Outcomes Won’t Change Until You Do

The Ramsey Show

Ramsey Network

Investing, Self-improvement, Education, Business

4.5 • 38.5K Ratings

🗓️ 24 December 2025

⏱️ 125 minutes

🔗️ Recording | iTunes | RSS

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Summary

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Transcript

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0:00.0	This episode is filled with some of our best calls and advice.
0:03.3	But unless you take what you hear and put it to work in your own life, you'll be stuck with the same money stress in 2026.
0:10.1	So make a change and download every dollar today.
0:26.5	Normal is broken common sense is weird,
0:30.0	so we're here to help you transform your life.
0:33.7	From the Ramsey Network and the Fair Wins Credit Union studio,
0:36.0	this is the Ramsey Show.
0:39.2	Rachel Cruz, Ramsey Personality, number one bestselling author, host of the Rachel Cruz show, and my daughter is my co-host today. Open phones at
0:44.8	AAA 825-5-225. John's in Orlando. Hey, John, how are you? Hey, Mr. Ramies, it's nice to meet you.
0:55.0	So I've actually struggled to keep steady employment over the past decade.
0:59.0	I've been fired several times due to personality and behavioral challenges.
1:03.0	You know, I've got over 70 grand in federal student loans, considering joining the Navy as an officer,
1:09.0	but to pay off that and to build a career.
1:11.6	At the same time, considering starting a podcast with my friend, I'm Ben, but I'm unsure what to do.
1:19.2	I wouldn't be alive today without God, and my parents spun to me, but at 40 years old, I'd like to be independent.
1:27.2	At this point in time, no employer will hire old, I'd like to be independent. At this point in time,
1:28.4	no employer will hire me, even low-paying jobs that you have suggested other people do to
1:34.2	build a work record. I'm not sure what to do. What kind of advice can you give me to help me out?
1:39.3	How many jobs in 10 years? It's actually 11 years, but 14. 14 jobs in 11 years. You're 40. So what'd you do before
1:48.3	29? Well, I was actually, I spent eight years in, you know, in college because I made a mistake
1:58.0	early on in my life. I didn't have a plan. I didn't really know what I wanted to do.
2:02.9	I had a brief window of time where I had good grades, but that was only, you know, in high school.
	...

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