Podcasts about baby step

Dave Ramsey's Baby Steps have helped countless people get out of debt and start saving, but are they still the best way to build long-term wealth? We explore each Baby Step by highlighting where we agree, where we diverge, and why we believe the Financial Order of Operations (FOO) provides a clearer, more effective roadmap to financial success. We'll cover everything from emergency funds and debt repayment to saving rates, investment order, college planning, and beyond. Whether you're starting from scratch or optimizing an already-strong plan, this episode helps you understand what to do with your next dollar. ⁠⁠⁠⁠Jump start your journey with our FREE financial resources⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠Reach your goals faster with our products⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠Take the relationship to the next level: become a client⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠Subscribe on YouTube for early access and go beyond the podcast⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠Connect with us on social media for more content⁠⁠⁠⁠⁠⁠⁠ Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life. NordVPN.com/MONEYGUY Learn more about your ad choices. Visit megaphone.fm/adchoices

Dear Dave, My wife and I are on Baby Step 7, and we have a household income of 7,000 a year. We have an older dog who has had some very expensive vet bills recently. It has us both wondering how far, financially speaking, we should be willing to go to keep him alive. We both really love our dog, so we would appreciate your thoughts in the event we have to make a really hard decision somewhere down the road. Jeff Dear Jeff, Wow ... You're really trying to get me into trouble, aren't you? First of all, let...Article Link

Dear Dave, I recently experienced a medical emergency and unexpected hospital stay. I'm about halfway through Baby Step 2, and I'm paying off my debts using the debt snowball system. I have good insurance, but should I put Baby Step 2 on hold for now due to all the hospital bills? Gerard Dear Gerard, That's exactly what you should do. I'm sorry to hear about your health issues, but at the same time, I hope you'll make sure you're only pressing the pause button on Baby Step 2. I'm talking about temporarily stopping the debt snowball and making only minimum...Article Link

As I mentioned, this will only work if you actually DO the exercises I talk about in the podcast. Don't just listen; actually DO the work.▬ Start Here! ▬▬▬▬▬▬▬▬▬

send us a text via Fan Mail!My listener and guest, Kimmy, and I, address the topic of anger, learning to pause, growing in holiness and - aaaah - EXPECTATIONS.  2:08 - Kimmy's questions on managing anger and structuring the day8:01 - Creating and sustaining a loving environment 12:21 - Planning time for yourself 18:58 - Camp style learning 22:40 - Practices that help us deal with anger and develop self-control 40:53 - How to respond to our kids anger 51:45 - Knowing that there is always another wayKeeping your head above water, live workshop (Youtube) Tyranny of the Urgent chart Seven Deadly Sins; Seven Lively Virtues with Fr. Robert Barron (Youtube)soundbites:"I want to employ your tactics, but do you have advice on how to nurture my passionate soul?""I always knew that, once lunchtime was over, we were done.""Our world is very urgent, and the control factor of  “I need to...""Living in this urgent world where we actually have to be intentional about entering into a merciful, peaceful state of..."Support the Show.Contact On Instagram at @make.joy.normal By email at makejoynormal@gmail.com Search podcast episodes by topic Thanks for listening to Make Joy Normal Podcast!

In this episode, we dive into the world of social selling and how it differs from traditional sales by focusing on intentional, one-on-one conversations. We'll break down the importance of building a highly engaged audience, creating consistent and targeted content, and nurturing relationships beyond the initial sale. You'll learn how to identify your ideal customer, foster meaningful interactions, and leverage the power of social media to expand your reach while maintaining a personal touch in your business. This episode is perfect for direct sellers looking to enhance their social selling strategy! Get more training on social selling AND a copy of our Social Selling Checklist inside the Workbook provided when you sign up for our upcoming workshop on August 28th: Future Proof Your Biz: 5 Must-Have Strategies that Actually Pay Off! Time-Based Notes: 0:31 Introduction 1:23 What is Social Selling? 3:53 Building an Audience on Social Media 9:08 Social Selling Takes Time 12:13 The "Baby Step" 13:14 Own That Relationship 15:14 The Power of Social Media 17:32 Topic Recap 19:58 Sponsor Message Show sponsored by CinchShare: The number one most trusted social media scheduling tool for direct sellers. Start your 30 day trial today with coupon code GAMECHANGER and spend less time posting and more time socializing! Get the full show notes at https://moderndirectseller.com/episode198/

Join us for Baby Step Bingo in August: https://simplyconvivial.com/babystepbingo/Mastering Productivity: Overcoming Procrastination with Baby StepsIn this episode, explore how to apply lessons from 'Baby Step Bingo' to enhance productivity and defeat procrastination, especially for moms and homemakers. Learn about the impact of breaking tasks into manageable baby steps. Discover the power of small actions to transform your household tasks and daily routines, making significant progress with minimal effort. Join the discussion on how baby steps can change attitudes and drive momentum, with practical examples and motivational insights.00:00 Introduction to Baby Step Bingo00:11 Real-Life Success Stories01:46 The Power of Baby Steps04:53 Breaking Down Tasks into Baby Steps09:27 Overcoming Procrastination12:02 Recognizing Small Wins13:52 Conclusion and EncouragementMystie Winckler encourages moms to organize their attitudes and get traction at home so we are no longer overwhelmed or frustrated with homemaking. We are a community of Christian women striving to be competent, cheerful homemakers so we are fruitful, faithful, and hospitable. Subscribe for regular encouragement!

Dave Ramsey & Dr. John Delony answer your questions and discuss: "I'm running out of money to fight for custody," "Should I wait to pay off my house?" "Making wise plans for our future family," "Am I on Baby Step 2 or Baby Step 7?" "How soon should we pay off our mortgage?" "How do you explain paying off a home with a low monthly payment/balance?" "We are scared to go into debt for a house" "Should we update our house even if we move later?" "I owe over $200K in student debt, what do I do?" "How can I help my mother with her spending?" "How do I get out of my 19% interest car loan?" "How do I access funds in retirement?" "Should I downsize now that the kids are gone?" "Am I too old to take out a student loan?" Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Support Our Sponsors: Churchill Mortgage BetterHelp Zander Insurance Balance of Nature Neighborly Need help with your taxes? See who we trust. Protect yourself with the right coverage—take our coverage quiz! Have more money and less stress with George Kamel's NEW book, Breaking Free From Broke! Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Jade Warshaw & Ken Coleman answer your questions and discuss: "Should I refinance my student loans?" "Am I being too intense?" "Should we give money in Baby Step 2?" "How do I handle a loan with my ex-husband?" "Should I quit my day job?" "How do I start paying off my credit cards?" "How can we cash flow a baby?" Buying a house while paying off debt, "I owe my sister $20,000," Jade shares party budgeting tips for Christmas, "What should I do after paying off debt?" "Should I sell my car?" "How do I pay off debt & build wealth?" Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Support Our Sponsors: Zander Insurance Churchill Mortgage BetterHelp Balance of Nature Neighborly For help with investing, get connected with a SmartVestor Pro: Click Here Protect yourself with the right coverage—take our coverage quiz! Have more money and less stress with George Kamel's NEW book, Breaking Free From Broke! Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Rachel Cruze & Jade Warshaw answer your questions and discuss: "Should I take out a loan from a family member?" "Should I have more than $1000 in Baby Step 1," "My parents lost their business, how can I help?" "The real truth about Christmas gifts," "How should I save for a house?" Why it's sometimes hard to make wise money decisions "I'm scared to tithe while on Baby Step 2," "I'm not happy with our affordable vacations," "My husband is about to file bankruptcy" "Should I leave my job?" "How can I best pay off debt?" "Should we cash out investments to pay off debt?" "Should we move closer to family?" "I'm $42K in debt and just lost my job" Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Support Our Sponsors: Churchill Mortgage Christian Healthcare Ministries NetSuite Zander Insurance Neighborly Cyber Monday Deals are here! Shop meaningful gifts for as low as $7 this week only! Click Here For help with investing, get connected with a SmartVestor Pro: Click Here  Protect yourself with the right coverage—Take our Coverage Quiz! Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

George Kamel & Rachel Cruze answer your questions and discuss: "Should we put our mortgage in the debt snowball?" "How do we stop living paycheck to paycheck?" "Should I take on more debt to go to school?" "How do I make better money decisions?" Leaving the family business, "Should we buy a new car in Baby Step 6?" "I don't want to close my credit cards," "Should we buy a home while in the military?" "Are store specific debit cards OK to use?" "Should we sell our house?" "Is inflation really that bad?" "How do I budget with inconsistent pay?" Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Support Our Sponsors: BetterHelp NetSuite Zander Insurance DreamCloud Neighborly Find a Ramsey Trusted Real Estate Agent: Click Here For help with investing, get connected with a SmartVestor Pro: Click Here Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Rachel Cruze & Dr. John Delony answer your questions and discuss: "My wife is reluctant to attack her student loans," Debt is hurting my marriage, what should I do? Handling awkward money moments, "What should we do while in Baby Step 3b?" "My husband committed financial infidelity," "I'm $1.35M in debt..." "How do I get out of $70K of debt?" "Should I buy a house or invest?" "How do debt free screamers increase their income so much?" "Am I spending too much money?" "Should I pay off my student loans in full?" "What should my next steps be after losing my husband?" "I have $83K in debt and feel discouraged" Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Support Our Sponsors: NetSuite Zander Insurance DreamCloud Balance of Nature Neighborly Start your EveryDollar Free Account today: Click Here Have more money and less stress with George Kamel's NEW book, Breaking Free From Broke! Find a Ramsey Trusted Real Estate Agent: Click Here Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

George Kamel & Rachel Cruze answer your questions and discuss: Take out 401(k) loan to pay off my car? George and Rachel react to Ramsey's most-hated financial advice, "Should I use a VA loan?" "Sell our only car to get out of debt?" "How can I pay for college without student loans?" "Should we wait to buy property?" Getting back on track with the Baby Steps "We owe the IRS $150,000, what can we do?" "How should we manage our investments?" Buying a car while on Baby Step 2, "My wife wants to buy a $1500 baby stroller!" "Pay off our house or save for kid's college?" "How long should I pause retirement?" "My husband left us." Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Support Our Sponsors: Churchill Mortgage Zander Insurance BetterHelp DreamCloud Neighborly The Ramsey Show Listener Survey: Click here to be Entered to Win a $500 Gift Card!!! Prep for open enrollment—take our coverage quiz! Click Here For help with investing, get connected with a SmartVestor Pro: Click Here Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Dave Ramsey & George Kamel answer your questions and discuss: "I have a baby on the way with no money," Prioritizing expenses when you're broke, "Should I finance boat and live in it?" "Should I change careers in Baby Step 2?" "How can we cash flow a new build?" "How do we have a wedding in Baby Step 2?" "Cash out my retirement to pay off debt?" "Invest for retirement or pay off the house?" "Should I invest as a stay-at-home mom?" "Should I make my kids pay off their own student loans?" "How do you plan for retirement at a young age?" "Should I buy my ex-wife out of the house?" "Should we sell our home to pay off debt?" "Should we take over a local business?" "Confronting a controlling mother-in-law," "Relocate our family for better school options?" Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Support Our Sponsors: Churchill Mortgage Balance of Nature DreamCloud Zander Insurance BetterHelp Neighborly Want a plan for your money? Find out where to start: Click Here Find a Ramsey Trusted Real Estate Agent: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Dave Ramsey, George Kamel, and Ken Coleman answer your questions and discuss: Why you should never own a house with someone you're not married to, Dave and George talk with Graham Stephen about real estate, the economy, investing, and work that matters, The Iced Coffee Hour with Graham and Jack Graham Stephan's YouTube Channel What to take into consideration when deciding to start taking Social Security, read more: What Is Full Retirement Age? And What Does It Mean For Your Retirement? What to do with extra money from the sale of their house, Why a caller can't afford to continue the same patterns of behavior after have two vehicles repossessed, read more: Don't Believe The Lies: What Can Debt Collectors Do? "My siblings think I'm taking financial advantage of our father with dementia - what should I do?", How to pay for major home repairs while in Baby Step 2 when you can't manage your money, read more: Money Management What to do with a sign on bonus while in graduate school and plan for the future, read more: What Is Lifestyle Creep? Why long distance rental properties are a bad idea, What to do once you've reached Baby Step 7 and you're not sure what to do with your money, How to make preparations for your funeral so other family doesn't have to pay for your arrangements, read more: Pros and Cons of Prepaid Funeral Plans How to talk to your spouse about combining finances, read more: And Two Become One: How to Combine Bank Accounts Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Support Our Sponsors: USCCA BetterHelp Balance of Nature Zander Insurance Neighborly EveryDollar - Budget for free today! Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Dave Ramsey & Jade Warshaw answer your questions and discuss: When you should look for a new financial planner,  from the website: Find a SmartVestor Pro today Why "rice & beans" is a metaphor and why you shouldn't be stingy with your generosity, read more: Dave Rant! You're Not on the Dave Ramsey Plan If... What to look for if you're trying to figure out if you should sell your house and get a cheaper mortgage, A powerful Debt Free Scream from a single mother that never quit even when things seemed impossible, Where to put student loans in your Debt Snowball while still in school, from the website: RamseySolutions.com/StudentLoans How to plan for long term medical expenses when facing dementia, "Can I get my nails done while in Baby Step 2?", What to do with additional income when your retirement is maxed out, When to determine if you should sell real estate to pay off student loans, Newlyweds that do a Debt Free Scream that sacrificed their wedding day to avoid debt, Have you worked the Baby Steps and become debt free? Fill out your Debt Free Scream Application today! How to know if you should sell an investment property when expecting a baby, What to do when you receive a settlement from a car accident and have IRS debt. Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Support Our Sponsors: NetSuite Zander Insurance Christian Healthcare Ministries BetterHelp USCCA Neighborly Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Rachel Cruze & John Delony answer your questions and discuss:   What to do when you're saving for Baby Step 3 but have a car that's about to die, read more: Is Your Car Worth Repairing? Or Should You Replace It? How to know if you should live with family when finding a new place to live, What it means to have an anxious life and how to get away from the stress, John's New Book: Building A Non-Anxious Life by Dr. John Delony How to tackle debt when getting out of the military and moving, What to do when co-parenting and one set of parents is trying to encourage taking on debt, read more: How to Teach Teenagers About Money How to prioritize paying off your student loans in your Debt Snowball, read more: RamseySolutions.com/StudentLoans Why money problems in your marriage are often a result of deeper issues, read more: Money and Marriage: 7 Tips for a Healthy Relationship How to help parents change their mindset about money, read more: Understanding the Psychology of Money Why you shouldn't have parents co-sign on a mortgage, The best ways to use a large inheritance, read more: What to Do With an Inheritance How student loans are taking a toll on students mental health, take Dr. John Delony's Axienty Test How to be ok with accepting financial generosity from family members without feeling guilty. Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Support Our Sponsor: NetSuite BetterHelp DreamCloud Zander Insurance Neighborly EveryDollar, budget for the life you want today for free: Click Here Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Dave Ramsey & Dr. John Delony answer your questions and discuss:   EveryDollar, budget for the life you want today for free: Click Here "It feels like I can't catch up on my debt," "What should we do after selling our house?" "Where should we be investing?" "Dealing with medical debt while fighting cancer," "How much house can I afford?" "Pay off personal debt with business income?" "Pause the Baby Steps to save for my son?" "Take out student loans to pay our bills?" "I don't know how to get ahead of my debt," "How can I become financially responsible?" "Take a higher paying job if I'll have to move?" "How can we slow down after Baby Step 7?" Support Our Sponsor: PODS Moving & Storage BetterHelp NetSuite DreamCloud Zander Insurance Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Enter The Ramsey Cash Giveaway for a chance to win $3,000! https://bit.ly/TRSCashGiveaway Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Dave Ramsey & Jade Warshaw answer your questions and discuss:   EveryDollar, budget for the life you want today for free: Click Here "Emergencies keep holding back our progress," "We disagree on how to use our money in Baby Step 6," Confusion around student loans, Check out the Ramsey Student Loan Hub for tips, tools, and the fastest way to pay off your student loans, "How do we prepare to build a house?" How to replace a car, "Is there any way to use the equity in our home?" "What's the best way to save for my grandkids?" "Should I invest instead of paying off my house?" Why warranties aren't worth it, read more: Are Extended Warranties Worth It? "Which debt should I pay off first?" Getting out of a $220k “HELL-OC", "I think we bought too much house" Support Our Sponsor: Balance of Nature PODS Moving & Storage Zander Insurance Churchill Mortgage BetterHelp Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Enter The Ramsey Cash Giveaway for a chance to win $3,000! https://bit.ly/TRSCashGiveaway Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Dave Ramsey & Rachel Cruze answer your questions and discuss: EveryDollar, budget for the life you want today for free: Click Here What to do when you can't agree with your spouse about paying off debt,  from the blog: What to Do When Spouses Don't Agree on Money Why you shouldn't be borrowing from your cars to invest, The best ways to build wealth, from the blog: How to Build Wealth at Any Age "Is it ok for us to spend money on occasional family gatherings during Baby Step 2?" from the blog: A Guide to Vacationing on the Baby Steps Why you have to identify the reality of your situation when you're in debt, from the blog: If You Don't Want to Be Broke Anymore, Do This Support Our Sponsor: NetSuite PODS Moving & Storage Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Enter The Ramsey Cash Giveaway for a chance to win $3,000! https://bit.ly/TRSCashGiveaway Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Dave Ramsey & Jade Warshaw answer your questions and discuss:   EveryDollar, budget for the life you want today for free: Click Here "Will BRICS put the strength of the US Dollar in jeopardy?" "What should I do about my student loans?" Check out the Ramsey Student Loan Hub for tips, tools, and the fastest way to pay off your student loans, "Should I pay off my car or house first?" "How can I stay gazelle intense in Baby Step 2?" "Should I repair or replace my car?" Support Our Sponsor: BetterHelp Zander Insurance Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Enter The Ramsey Cash Giveaway for a chance to win $3,000! https://bit.ly/TRSCashGiveaway Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Dave Ramsey & Rachel Cruze answer your questions and discuss:  Preparing to go down to a single income household while paying off your house, from the blog: How to Pay Off Your Mortgage Early How to navigate Baby Step 3b and Baby Step 4 at the same time, "Should I pause investing while paying off $100,000 of student loans?" from the blog: Pay Off Debt or Save for the Future? Want to learn more? Go to RamseySolution.com/StudentLoans A Debt-Free Scream from a single woman who found confidence to change her life with Dave's common sense financial advice, from the store: The Total Money Makeover by Dave Ramsey Why it's ok to leave a low paying job even when you work for family. Support Our Sponsor: Zander Insurance NetSuite Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today! www.everydollar.com/TRS Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 Interested in advertising on The Ramsey Show? https://ter.li/s64ye3 Ramsey Solutions Privacy Policy

Ken Coleman & Rachel Cruze answer your questions and discuss:  If the world is more dangerous than it was when they grew up, "Should I sell my Tesla to get out of Baby Step 2?" from the blog: Should I Pay Off My Car Early? How to deal with paying off debt when ex-spouses names are on debt from the previous relationship, Recent updates on where inflation has risen, and fallen, in 2023 vs 2022,  from the blog: How to Combat Inflation and Protect Your 4 Walls "Should I stay in a toxic work environment to keep my pension and healthcare?", from the blog: How to Handle a Hostile Work Environment Support Our Sponsor: Zander Insurance Christian Healthcare Ministries Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today! www.everydollar.com/TRS Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 Interested in advertising on The Ramsey Show? https://ter.li/s64ye3 Ramsey Solutions Privacy Policy

George Kamel & Jade Warshaw answer your questions and discuss:  George triggered the internet with his most recent YouTube video, from George's YouTube Channel: Why Most People Will Never Be Millionaires What to do with a house when going through a divorce, What Baby Steps George and Jade think are most important, from the blog: How to Win With Money in 7 Baby Steps How to prioritize saving in Baby Step 3 when expecting a baby, "I'm in $100,000 debt and don't know if I should sell my rental properties", from the blog: Should I Sell My Rental Property? Why you shouldn't stop investing while paying off your home, from the blog: How Do I Invest in Retirement, Save for College, and Pay Off the Mortgage at the Same Time? "How can we best use an inheritance when working the Baby Steps?" from the blog: What to Do With an Inheritance Support Our Sponsor: NetSuite Churchill Mortgage Zander Insurance Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today! www.everydollar.com/jade Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 Interested in advertising on The Ramsey Show? https://ter.li/s64ye3 Ramsey Solutions Privacy Policy

Jade Warshaw & Rachel Cruze answer your questions and discuss:  "How much should we put into our sinking funds?" from the blog: What Is a Sinking Fund and How Do You Create One? Why you can't compartmentalize money in your life or your marriage, Should I rent or buy after moving? "Will student loan repayment options hinder our Baby Step 2?" "Should we sell our house to pay off debt?" Support Our Sponsor: Zander Insurance NetSuite Churchill Mortgage Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today! www.everydollar.com/jade Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 Interested in advertising on The Ramsey Show? https://ter.li/s64ye3 Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

Ken Coleman & Dr. John Delony answer your questions and discuss:  "Can I afford to move while on Baby Step 1?" from the blog: Relocating Tips: How to Make a Smooth Transition, "I feel like I never have enough money..." Starting over after a divorce, Selling business equipment to pay off debt. Support Our Sponsor: Zander Insurance Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today! www.everydollar.com/TRS Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 Interested in advertising on The Ramsey Show? https://ter.li/s64ye3 Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

Rachel Cruze & Ken Coleman answer your questions and discuss: What to do when your spouse isn't on the same page and continues to financially sabotage themselves, from the blog: How to Survive Divorce: Protect Yourself and Your Finances When you don't owe anyone anything you have autonomy and options, from the blog: 10 Characteristics of Debt-Free Living "Should I invest in a company 401(k) as an intern?", How to pay off debt with an inconsistent income,  from the blog: How to Budget With an Irregular Income Mastercard is joining Ramsey Solutions and finally trying to get users to cut up credit cards - but for a different reason, How to choose a side hustle in while in Baby Step 2.  from the blog: 27 Side Hustle Ideas to Earn Extra Cash Support Our Sponsor: Zander Insurance BetterHelp Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today! www.everydollar.com/TRS Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 Interested in advertising on The Ramsey Show? https://ter.li/s64ye3 Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

Rachel Cruze & John Delony answer your questions and discuss: "Should I pause the Baby Steps while I go through a career change?",  How to cash flow the purchase of a vehicle while in Baby Step 1, The best way to pay for graduate school without going into debt, from the blog: How to Pay for College Without Student Loans How you should invest the profits from the sale of flipping houses, Some lifestyle changes you should be aware of when paying off all your debt, from the blog: Living Without a Credit Score Support Our Sponsor: Balance of Nature PODS Moving & Storage BetterHelp Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today! www.everydollar.com/TRS Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 Interested in advertising on The Ramsey Show? https://ter.li/s64ye3 Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

Dave Ramsey & George Kamel answer your questions and discuss:  "Should we be panicked about AI?" "Should we sell our rentals to pay off our home?" The Vikings stadium is about to be paid off, Learning to overcome fear and spend money, "Should my husband have a Roth IRA?" "How do I stay motivated on Baby Step 3?" Support Our Sponsor: NetSuite Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Join a Personality-led FPU class. Click here! Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 Interested in advertising on The Ramsey Show? https://ter.li/s64ye3 Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Jade Warshaw & John Delony answer your questions and discuss:  "How do we prepare to be on a single income?",  from the blog: How to Make a Budget: Your Step-by-Step Guide How do prepare for marriage when your on different Baby Steps,  "How do I stick to my debt payoff plan when friends and family don't agree with my plan?",  What to do when you have a good job but want to go back to school for a career change, "I was in Baby Step 4 then went back in debt $60k - how do I get out of this?", Support Our Sponsor: PODS Moving & Storage Zander Insurance NetSuite Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Join a Personality-led FPU class. Click here! Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 Interested in advertising on The Ramsey Show? https://ter.li/s64ye3 Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy