Stop Excusing Debt as a Dream
The Ramsey Show
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10 min
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4:00
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2:00:00
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The Ramsey Show Live Tour
The Ramsey Show Live Tour: Tell us where we should go next!
Dave Ramsey and Dr. John Delony answer your questions and discuss:
- "My wife and I aren't on the same page financially. At what point should I open a separate bank account that I can manage?"
- "I feel insecure only having $1,000 in my emergency fund while I'm in Baby Step 1..."
- "My husband hid credit card debt from me again. How do I protect myself from his out-of-control spending?"
- "Was taking out a $100,000 loan to buy cattle a bad idea?"
- "What should I do with my stock that has grown to $1.8 million?"
- "Should we accept a $100,000 gift from my parents?"
- "What's the best way to invest?"
- "I'll be graduating med school with over $200,000 of student loan debt. How do I pay them off while investing in a Roth?"
- "Is this trend of people selling their houses for RVs healthy?"
- "How do I repair my marriage and get out of debt?"
- "Should I confront my mother about using my 529 to pay for an exchange student's college instead of my tuition?"
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.
- Start your free budget today. Download the EveryDollar app!
- Get episodes early in the free Ramsey Network app!
- Will an online will work for you? Take this quiz to find out
- Explore our high school personal finance and new economics curriculum.
- Set and actually reach your goals with the NEW 2026 Ramsey Goal Planner! Hurry—they sell out every year!
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>🎟️<strong> </strong><a href="https://www.ramseysolutions.com/events/the-ramsey-show-live?utm_source=podcast_the_ramsey_show%20-%20podcast&utm_medium=audio&utm_campaign=trs%20live%202025&utm_term=live_events_bu&utm_content=trs%20live%202025%20-%20shownotes%20-%20get%20tickets%20-%20080125">The Ramsey Show Live Tour: Tell us where we should go next!</a></p> <p><br></p> <p>Dave Ramsey and Dr. John Delony answer your questions and discuss:</p> <ul> <li>"My wife and I aren't on the same page financially. At what point should I open a separate bank account that I can manage?"</li> <li>"I feel insecure only having $1,000 in my emergency fund while I'm in Baby Step 1..."</li> <li>"My husband hid credit card debt from me again. How do I protect myself from his out-of-control spending?"</li> <li>"Was taking out a $100,000 loan to buy cattle a bad idea?"</li> <li>"What should I do with my stock that has grown to $1.8 million?"</li> <li>"Should we accept a $100,000 gift from my parents?"</li> <li>"What's the best way to invest?"</li> <li>"I'll be graduating med school with over $200,000 of student loan debt. How do I pay them off while investing in a Roth?"</li> <li>"Is this trend of people selling their houses for RVs healthy?"</li> <li>"How do I repair my marriage and get out of debt?"</li> <li>"Should I confront my mother about using my 529 to pay for an exchange student's college instead of my tuition?"</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>💵 <u></u><a href="https://ter.li/tjytcg">Start your free budget today. Download the EveryDollar app!</a></p> <p>📱 <a href="https://ramsey.solutions/qq4xdb">Get episodes early in the free Ramsey Network app! </a></p> <p><strong>🤔 </strong><a href="https://ter.li/mtucyj">Will an online will work for you? Take this quiz to find out</a></p> <p>✏️ <a href="https://ter.li/4hp96j">Explore our high school personal finance and new economics curriculum.</a></p> <p>📚 <a href="https://ter.li/5iegog">Set and actually reach your goals with the NEW 2026 Ramsey Goal Planner! Hurry—they sell out every year!</a><br></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>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>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>Use promo code RAMSEY for 18% off at <a href="https://www.thenokbox.com/ramsey"><strong>The Nokbox</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><br></p><p> </p><p>Learn more about your ad choices. Visit <a href="https://megaphone.fm/adchoices">megaphone.fm/adchoices</a></p>
Show Notes
The Ramsey Show Live Tour
The Ramsey Show Live Tour: Tell us where we should go next!
Dave Ramsey and Dr. John Delony answer your questions and discuss:
- "My wife and I aren't on the same page financially. At what point should I open a separate bank account that I can manage?"
- "I feel insecure only having $1,000 in my emergency fund while I'm in Baby Step 1..."
- "My husband hid credit card debt from me again. How do I protect myself from his out-of-control spending?"
- "Was taking out a $100,000 loan to buy cattle a bad idea?"
- "What should I do with my stock that has grown to $1.8 million?"
- "Should we accept a $100,000 gift from my parents?"
- "What's the best way to invest?"
- "I'll be graduating med school with over $200,000 of student loan debt. How do I pay them off while investing in a Roth?"
- "Is this trend of people selling their houses for RVs healthy?"
- "How do I repair my marriage and get out of debt?"
- "Should I confront my mother about using my 529 to pay for an exchange student's college instead of my tuition?"
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.
- Start your free budget today. Download the EveryDollar app!
- Get episodes early in the free Ramsey Network app!
- Will an online will work for you? Take this quiz to find out
- Explore our high school personal finance and new economics curriculum.
- Set and actually reach your goals with the NEW 2026 Ramsey Goal Planner! Hurry—they sell out every year!
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>🎟️<strong> </strong><a href="https://www.ramseysolutions.com/events/the-ramsey-show-live?utm_source=podcast_the_ramsey_show%20-%20podcast&utm_medium=audio&utm_campaign=trs%20live%202025&utm_term=live_events_bu&utm_content=trs%20live%202025%20-%20shownotes%20-%20get%20tickets%20-%20080125">The Ramsey Show Live Tour: Tell us where we should go next!</a></p> <p><br></p> <p>Dave Ramsey and Dr. John Delony answer your questions and discuss:</p> <ul> <li>"My wife and I aren't on the same page financially. At what point should I open a separate bank account that I can manage?"</li> <li>"I feel insecure only having $1,000 in my emergency fund while I'm in Baby Step 1..."</li> <li>"My husband hid credit card debt from me again. How do I protect myself from his out-of-control spending?"</li> <li>"Was taking out a $100,000 loan to buy cattle a bad idea?"</li> <li>"What should I do with my stock that has grown to $1.8 million?"</li> <li>"Should we accept a $100,000 gift from my parents?"</li> <li>"What's the best way to invest?"</li> <li>"I'll be graduating med school with over $200,000 of student loan debt. How do I pay them off while investing in a Roth?"</li> <li>"Is this trend of people selling their houses for RVs healthy?"</li> <li>"How do I repair my marriage and get out of debt?"</li> <li>"Should I confront my mother about using my 529 to pay for an exchange student's college instead of my tuition?"</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>💵 <u></u><a href="https://ter.li/tjytcg">Start your free budget today. Download the EveryDollar app!</a></p> <p>📱 <a href="https://ramsey.solutions/qq4xdb">Get episodes early in the free Ramsey Network app! </a></p> <p><strong>🤔 </strong><a href="https://ter.li/mtucyj">Will an online will work for you? Take this quiz to find out</a></p> <p>✏️ <a href="https://ter.li/4hp96j">Explore our high school personal finance and new economics curriculum.</a></p> <p>📚 <a href="https://ter.li/5iegog">Set and actually reach your goals with the NEW 2026 Ramsey Goal Planner! Hurry—they sell out every year!</a><br></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>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>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>Use promo code RAMSEY for 18% off at <a href="https://www.thenokbox.com/ramsey"><strong>The Nokbox</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><br></p><p> </p><p>Learn more about your ad choices. Visit <a href="https://megaphone.fm/adchoices">megaphone.fm/adchoices</a></p>