Your Financial Spiral Will End When A Proven Financial Plan Begins

The Ramsey Show

Ramsey Network

Business, Education, Investing, Self-improvement

4.6 • 36.7K Ratings

🗓️ 3 June 2025

⏱️ 128 minutes

🔗️ Recording | iTunes | RSS

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Summary

⁠⁠⁠🔗 ⁠Share the Ramsey 101 Playlist! Ken Coleman and Jade Warshaw answer your questions and discuss: "Should there be a cap on credit card spending or is it not necessary as long as 15% is saved?" "I sold my home and cashed out my retirement. I still have $63,000 in credit card debt and no way to pay it off" "How do we get ahead while living paycheck-to-paycheck?" "My girlfriend hasn't paid me back the money I loaned her," "My husband entered into a debt consolidation program without me. Is there a way for us to get out of this?" "I leased a car and now owe $50,000 in mileage fees. I'm trying to settle with them but they won't send anything in writing" "My girlfriend is pressuring me to buy a house, should I listen to her?" "Is it okay to encourage my wife's family to sell their property?" "My fiancée and I make less than $1,500 month, how do we get by with so little income?" 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.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ 📱 ⁠⁠⁠Download the free Ramsey Network app! ⁠⁠⁠ 📈 ⁠⁠⁠⁠⁠Are you on track with the Baby Steps? Get a Free Personalized Plan⁠⁠⁠⁠⁠ 🛡️Protect yourself with the right coverage—take our coverage quiz! 💵 ⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠ 🏠 ⁠⁠⁠⁠⁠Get organized and prepared to buy or sell a home.⁠⁠⁠⁠ ❤️‍🩹 ⁠⁠⁠⁠⁠Get trusted insurance coverage that fits your budget.⁠⁠⁠ 📈 ⁠⁠For help with investing, get connected with a SmartVestor Pro. 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 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 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.
0:07.2	Start budgeting for free today.
0:12.1	This is the Ramsey show where America hangs out to have a conversation about their money, about their profession, and about their relationships.
0:20.1	The phone number to jump in is AAA 825-2-2-2-25-2-2-5.
0:24.4	Triple-8-8-8-25-5-2-2-5.
0:27.7	Alongside the fabulous, Jade Warshaw, I am Ken Coleman, and we're here to help you.
0:33.1	Jay's going to help you save money, and I want to help you make some money as we work together to
0:38.8	coach you up today. We started off with Taylor in New Orleans, as I like to say, Nalins. Taylor,
0:46.1	how can we help?
0:48.8	Hey, good afternoon. Thank you all for having me on.
0:52.1	You bet. As I said, my name's Taylor, married.
0:55.4	I have three children, have a five-year-old, three, and a one-year-old.
0:59.9	My wife and I would like to get some help and some advice from y'all in regards to our budgeting.
1:07.2	I wouldn't so much say that we have a money problem, but I would say that we have a problem agreeing on what to do with our money.
1:13.8	Oh.
1:14.7	And I think Dave said it before.
1:18.8	I think one of us could be considered more of a spender, whereas the other could be considered more of a saver.
1:24.4	Let me guess you're a saver.
1:26.1	That's my guess as well. Right. Trying to find a
1:31.0	happy medium that we can both be happy, enjoy life while also saving. And more importantly,
1:38.3	I just, you know, possibly don't want to work forever. Sure. Now what is the, let's get right.
1:43.3	Well, let's get right to the problem.
	...

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