Stop Chasing Payments and Choose Freedom
The Ramsey Show
0:00,0
10 min
0:00
2:00
4:00
0:00
1:00:00
2:00:00
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Questions Answered
Rachel Cruze and Dr. John Delony answer your questions and discuss:
- "Should I let my car get repossessed and get a cheaper car or get it paid off?"
- "How do I ask for a raise based on my performance at work?"
- "We've paid off our house and have kids' college done, but still struggle with saving and paying off debt"
- "Should we file bankruptcy?"
- "Should I pay off my credit card with an old retirement account?"
- "How do we deal with friends while paying off debt?"
- "How do we protect our assets in case one of us relapses?"
- "I'm almost done with baby step 3, how aggressive should we be with investing for retirement vs. paying off our house?"
- "After I pay all my bills, I only have $100 left. How do I find more margin in my budget to pay off $7,000 of debt?"
- "How do we organize a 529 plan from my parents that I didn't use and transition it to my two kids?"
- "How do we get out of the financial disaster that we're in?"
- "I've been taking care of 3 handicapped family members and I now have no savings. How do I get my finances built back up?"
Next Steps
- Help us make the show better. Please take 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
- Get episodes early in the free Ramsey Network app!
- Start your free budget today. Download the EveryDollar app!
- Hurry—Your chance to win $5k is almost over! Enter the Ramsey Cash Giveaway today!
- For help with investing, get connected with a SmartVestor Pro.
- Protect yourself with trusted insurance coverage that fits your budget
- Can an online will work for you? Take this quiz to find out!
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 Privacy Policy
Learn more about your ad choices. Visit megaphone.fm/adchoices
Raw Description
<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>“Should I let my car get repossessed and get a cheaper car or get it paid off?”</li> <li>“How do I ask for a raise based on my performance at work?”</li> <li>“We’ve paid off our house and have kids’ college done, but still struggle with saving and paying off debt”</li> <li>“Should we file bankruptcy?”</li> <li>“Should I pay off my credit card with an old retirement account?”</li> <li>“How do we deal with friends while paying off debt?”</li> <li>“How do we protect our assets in case one of us relapses?”</li> <li>“I’m almost done with baby step 3, how aggressive should we be with investing for retirement vs. paying off our house?”</li> <li>“After I pay all my bills, I only have $100 left. How do I find more margin in my budget to pay off $7,000 of debt?”</li> <li>“How do we organize a 529 plan from my parents that I didn’t use and transition it to my two kids?”</li> <li>“How do we get out of the financial disaster that we’re in?”</li> <li>“I’ve been taking care of 3 handicapped family members and I now have no savings. How do I get my finances built back up?”</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&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/5qko9m">For help with investing, get connected with a SmartVestor Pro.</a></p> <p>🛡️<a href="https://ter.li/i0i0nn">Protect yourself with trusted insurance coverage that fits your budget </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&utm_medium=audio&utm_campaign=cross%20show%20promotion&utm_term=ramsey_network_bu&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>
Show Notes
Questions Answered
Rachel Cruze and Dr. John Delony answer your questions and discuss:
- "Should I let my car get repossessed and get a cheaper car or get it paid off?"
- "How do I ask for a raise based on my performance at work?"
- "We've paid off our house and have kids' college done, but still struggle with saving and paying off debt"
- "Should we file bankruptcy?"
- "Should I pay off my credit card with an old retirement account?"
- "How do we deal with friends while paying off debt?"
- "How do we protect our assets in case one of us relapses?"
- "I'm almost done with baby step 3, how aggressive should we be with investing for retirement vs. paying off our house?"
- "After I pay all my bills, I only have $100 left. How do I find more margin in my budget to pay off $7,000 of debt?"
- "How do we organize a 529 plan from my parents that I didn't use and transition it to my two kids?"
- "How do we get out of the financial disaster that we're in?"
- "I've been taking care of 3 handicapped family members and I now have no savings. How do I get my finances built back up?"
Next Steps
- Help us make the show better. Please take 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
- Get episodes early in the free Ramsey Network app!
- Start your free budget today. Download the EveryDollar app!
- Hurry—Your chance to win $5k is almost over! Enter the Ramsey Cash Giveaway today!
- For help with investing, get connected with a SmartVestor Pro.
- Protect yourself with trusted insurance coverage that fits your budget
- Can an online will work for you? Take this quiz to find out!
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 Privacy Policy
Learn more about your ad choices. Visit megaphone.fm/adchoices
Raw Description
<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>“Should I let my car get repossessed and get a cheaper car or get it paid off?”</li> <li>“How do I ask for a raise based on my performance at work?”</li> <li>“We’ve paid off our house and have kids’ college done, but still struggle with saving and paying off debt”</li> <li>“Should we file bankruptcy?”</li> <li>“Should I pay off my credit card with an old retirement account?”</li> <li>“How do we deal with friends while paying off debt?”</li> <li>“How do we protect our assets in case one of us relapses?”</li> <li>“I’m almost done with baby step 3, how aggressive should we be with investing for retirement vs. paying off our house?”</li> <li>“After I pay all my bills, I only have $100 left. How do I find more margin in my budget to pay off $7,000 of debt?”</li> <li>“How do we organize a 529 plan from my parents that I didn’t use and transition it to my two kids?”</li> <li>“How do we get out of the financial disaster that we’re in?”</li> <li>“I’ve been taking care of 3 handicapped family members and I now have no savings. How do I get my finances built back up?”</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&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/5qko9m">For help with investing, get connected with a SmartVestor Pro.</a></p> <p>🛡️<a href="https://ter.li/i0i0nn">Protect yourself with trusted insurance coverage that fits your budget </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&utm_medium=audio&utm_campaign=cross%20show%20promotion&utm_term=ramsey_network_bu&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>