Lean Into Hard Things— That's Where Change Happens

<p>🤔 <a href="https://ter.li/epa3ju">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Can an online will work for you? Take this quiz to find out!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>

Rachel Cruze and Dr. John Delony answer your questions and discuss:</p>
<ul>
  <li>“How can we overcome money issues like we did addiction &amp; alcoholism?”</li>
  <li>“How do I combine finances with my girlfriend?”</li>
  <li>“How do we get my mom to move out of our house?”</li>
  <li>“Are precious metals a good investment?”</li>
  <li>“I’m upside down on an RV, how do I get rid of it?”</li>
  <li>“Should I pay my husband’s credit card debt from gambling and reckless spending?”</li>
  <li>“Should we teach our kids about money with cash or debit cards?”</li>
  <li>“My boyfriend stopped supporting me after we broke up and we own a home together. Should I sell the house?”</li>
  <li>“Should I pull money out of a retirement account for baby step 1?”</li>
  <li>“Everyone is telling me to go even more into debt instead of paying it off”</li>
  <li>“I have anxiety about my job change even though I crunched the numbers. How do I find peace in this process?”</li>
  <li>“The buyer on our home pulled out an hour before closing but we already moved into the home. What should we do?”</li>
</ul>
<p><br></p>
<p><strong>Next Steps:</strong></p>
<p>✔️<a href="https://ter.li/3rtsm1">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <u>⁠Help us make the show better. Please take this short survey.⁠</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or<a href="https://www.ramseysolutions.com/shows/the-ramsey-show/email?utm_source=youtube&amp;utm_medium=product_shelf">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <u>⁠send us an email</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</p>
<p>📱 <a href="https://ramsey.solutions/6j2kuz">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Get episodes early in the free Ramsey Network app! ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💵 <u>⁠</u>⁠⁠⁠⁠⁠⁠⁠⁠<a href="https://ter.li/typjh3%20">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🎅 <a href="https://ter.li/olsb1z">⁠⁠Hurry—Your chance to win $5k is almost over! Enter the Ramsey Cash Giveaway today!⁠⁠</a></p>
<p>💻 <a href="https://ter.li/ypxp2q">Find out where you stand with your money and get a free plan. </a></p>
<p>🏠 <a href="https://ter.li/cghel7">⁠Get organized and prepared to buy or sell a home. ⁠</a></p>
<p>🛡️<a href="https://ter.li/i0i0nn">⁠Protect yourself with trusted insurance coverage that fits your budget</a></p>
<p>📘 <a href="https://ter.li/fz2pvm">Preorder What No One Tells You About Money today now and get $100+ in bonus items.</a></p>
<p><br></p>
<p><strong>Connect With Our Sponsors:</strong></p>
<ul>
  <li>Stop paying more and start shopping smarter at <a href="https://aldi.us">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>ALDI</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Get 10% off your first month of<a href="https://www.betterhelp.com/Delony">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>BetterHelp</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Go to <a href="https://www.boostmobile.com/ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Boost Mobile</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> to switch today!</li>
  <li>Go to<a href="https://www.casper.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a><a href="https://www.casper.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Casper Sleep</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> and use promo code RAMSEY to learn more.</li>
  <li>Learn more about<a href="https://www.chministries.org/budget">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>Christian Healthcare Ministries</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Get started today with<a href="https://www.churchillmortgage.com/">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>Churchill Mortgage</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Get 20% off when you join <a href="https://www.joindeleteme.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>DeleteMe</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Go to<a href="https://www.fairwinds.org/ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>FAIRWINDS Credit Union</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> for an exclusive account bundle!</li>
  <li>Debt collectors hassling you? Take back control of your life at <a href="https://www.guardianlit.com/Ramsey">⁠⁠⁠<strong>Guardian Litigation Group</strong>⁠⁠⁠</a>
</li>
  <li>Find top health insurance plans at <a href="https://www.healthtrustfinancial.com">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Health Trust Financial</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Use code RAMSEY to save 20% at <a href="https://www.mamabearlegalforms.com">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Mama Bear Legal Forms</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Visit<a href="https://www.netsuite.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>NetSuite</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> today to learn more<strong>.</strong>
</li>
  <li>For more information, go to <a href="https://simplisafe.com">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>SimpliSafe</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>.</li>
  <li>Get started with <a href="https://www.yrefy.com/Ramsey">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>YRefy</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> or call 844-2-RAMSEY.</li>
  <li>Visit<a href="https://www.zander.com/">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ <strong>Zander Insurance</strong>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> for your free instant quote today! </li>
</ul>
<p><br></p>
<p><strong>Explore more from Ramsey Network:</strong></p>
<p>💸 <a href="https://ter.li/wgti1o">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Ramsey Show Highlights</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><strong>🧠</strong> <a href="https://ter.li/qq7a2r">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Dr. John Delony Show</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🍸 <a href="https://ter.li/knqmos">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>Smart Money Happy Hour</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💡 <a href="https://ter.li/rzj8ja">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>The Rachel Cruze Show</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>💰 <a href="https://ter.li/awxjwi">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>George Kamel</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>🪑 <a href="https://www.ramseysolutions.com/shows/front-row-seat-with-ken-coleman?utm_source=podcast_the_ramsey_show%20-%20megaphone&amp;utm_medium=audio&amp;utm_campaign=cross%20show%20promotion&amp;utm_term=ramsey_network_bu&amp;utm_content=cross%20show%20promotion%20-%20shownotes%20-%20front%20row%20seat%20with%20ken%20coleman%20-%20012825#play">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>Front Row Seat with Ken Coleman</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p>📈 <a href="https://ter.li/2y2cn3">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<u>EntreLeadership</u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p>
<p><br></p>
<p><a href="https://www.ramseysolutions.com/company/policies/privacy-policy">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<strong>Ramsey Solutions Privacy Policy</strong>⁠⁠⁠⁠⁠⁠⁠</a></p><p> </p><p>Learn more about your ad choices. Visit <a href="https://megaphone.fm/adchoices">megaphone.fm/adchoices</a></p>