Stop Trying To Borrow Your Way Into 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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🤔 Think you're good with money? Take our Money in America quiz!
Dave Ramsey and Rachel Cruze answer your questions and discuss:
- "Does it make sense to have a business credit card to get cash back on big purchases?"
- "We bought too much house, how do we balance paying this down vs. investing?"
- "I'm 21 and still live at home with my parents. Should I sell my car so I can afford to move out?"
- "How do my fiancé and I combine finances when I have way more saved than he does?"
- "We have $235,000 in student loan debt and have a baby on the way. How do we get on the same page to tackle this debt?"
- "Why don't children have an obligation to care for parents financially?"
- "My wife wants to upgrade the house but I would rather pay down the mortgage. Which idea is better?"
- "Should I pull from retirement to purchase a second property?"
- "Can I afford to buy a Harley Davidson?"
- "What should we do about our daughter who refuses to pay parent PLUS loans?"
- "I made a dumb decision with my house. Should I file bankruptcy?"
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!
- 📈 Are you on track with the Baby Steps? Get a free personalized plan.
- ☮️ Lead a Financial Peace University class.
- 💵 Start your free budget today. Download the EveryDollar app!
- 🧮 Set and actually reach your goals with the NEW 2026 Ramsey Goal Planner! Hurry—they sell out every year!
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!
- Find top health insurance plans at Health Trust Financial.
- Use code RAMSEY to save 20% at Mama Bear Legal Forms.
- Visit NetSuite today to learn more.
- For more information, go to SimpliSafe.
- Use promo code RAMSEY for 18% off at The Nokbox.
- 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 Privacy Policy
Learn more about your ad choices. Visit megaphone.fm/adchoices
Raw Description
<p><strong>🤔 </strong><a href="https://ter.li/degkjb"></a><a href="https://ramseysolutions.outgrow.us/money-in-america-quiz">Think you’re good with money? Take our Money in America quiz!</a></p> <p><br></p> <p>Dave Ramsey and Rachel Cruze answer your questions and discuss:</p> <ul> <li>"Does it make sense to have a business credit card to get cash back on big purchases?"</li> <li>"We bought too much house, how do we balance paying this down vs. investing?"</li> <li>"I'm 21 and still live at home with my parents. Should I sell my car so I can afford to move out?"</li> <li>"How do my fiancé and I combine finances when I have way more saved than he does?"</li> <li>"We have $235,000 in student loan debt and have a baby on the way. How do we get on the same page to tackle this debt?"</li> <li>"Why don't children have an obligation to care for parents financially?"</li> <li>"My wife wants to upgrade the house but I would rather pay down the mortgage. Which idea is better?"</li> <li>"Should I pull from retirement to purchase a second property?"</li> <li>“Can I afford to buy a Harley Davidson?”</li> <li>“What should we do about our daughter who refuses to pay parent PLUS loans?”</li> <li>"I made a dumb decision with my house. Should I file bankruptcy?"</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><strong>📈</strong><a href="https://ter.li/degkjb"><strong> </strong><u>Are you on track with the Baby Steps? Get a free personalized plan.</u></a></p> <p>☮️ <a href="https://ter.li/qifry5">Lead a Financial Peace University class.</a></p> <p>💵 <u></u><a href="https://ter.li/gs1gjb%20">Start your free budget today. Download the EveryDollar app!</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></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></p><p> </p><p>Learn more about your ad choices. Visit <a href="https://megaphone.fm/adchoices">megaphone.fm/adchoices</a></p>
Show Notes
🤔 Think you're good with money? Take our Money in America quiz!
Dave Ramsey and Rachel Cruze answer your questions and discuss:
- "Does it make sense to have a business credit card to get cash back on big purchases?"
- "We bought too much house, how do we balance paying this down vs. investing?"
- "I'm 21 and still live at home with my parents. Should I sell my car so I can afford to move out?"
- "How do my fiancé and I combine finances when I have way more saved than he does?"
- "We have $235,000 in student loan debt and have a baby on the way. How do we get on the same page to tackle this debt?"
- "Why don't children have an obligation to care for parents financially?"
- "My wife wants to upgrade the house but I would rather pay down the mortgage. Which idea is better?"
- "Should I pull from retirement to purchase a second property?"
- "Can I afford to buy a Harley Davidson?"
- "What should we do about our daughter who refuses to pay parent PLUS loans?"
- "I made a dumb decision with my house. Should I file bankruptcy?"
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!
- 📈 Are you on track with the Baby Steps? Get a free personalized plan.
- ☮️ Lead a Financial Peace University class.
- 💵 Start your free budget today. Download the EveryDollar app!
- 🧮 Set and actually reach your goals with the NEW 2026 Ramsey Goal Planner! Hurry—they sell out every year!
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!
- Find top health insurance plans at Health Trust Financial.
- Use code RAMSEY to save 20% at Mama Bear Legal Forms.
- Visit NetSuite today to learn more.
- For more information, go to SimpliSafe.
- Use promo code RAMSEY for 18% off at The Nokbox.
- 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 Privacy Policy
Learn more about your ad choices. Visit megaphone.fm/adchoices
Raw Description
<p><strong>🤔 </strong><a href="https://ter.li/degkjb"></a><a href="https://ramseysolutions.outgrow.us/money-in-america-quiz">Think you’re good with money? Take our Money in America quiz!</a></p> <p><br></p> <p>Dave Ramsey and Rachel Cruze answer your questions and discuss:</p> <ul> <li>"Does it make sense to have a business credit card to get cash back on big purchases?"</li> <li>"We bought too much house, how do we balance paying this down vs. investing?"</li> <li>"I'm 21 and still live at home with my parents. Should I sell my car so I can afford to move out?"</li> <li>"How do my fiancé and I combine finances when I have way more saved than he does?"</li> <li>"We have $235,000 in student loan debt and have a baby on the way. How do we get on the same page to tackle this debt?"</li> <li>"Why don't children have an obligation to care for parents financially?"</li> <li>"My wife wants to upgrade the house but I would rather pay down the mortgage. Which idea is better?"</li> <li>"Should I pull from retirement to purchase a second property?"</li> <li>“Can I afford to buy a Harley Davidson?”</li> <li>“What should we do about our daughter who refuses to pay parent PLUS loans?”</li> <li>"I made a dumb decision with my house. Should I file bankruptcy?"</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><strong>📈</strong><a href="https://ter.li/degkjb"><strong> </strong><u>Are you on track with the Baby Steps? Get a free personalized plan.</u></a></p> <p>☮️ <a href="https://ter.li/qifry5">Lead a Financial Peace University class.</a></p> <p>💵 <u></u><a href="https://ter.li/gs1gjb%20">Start your free budget today. Download the EveryDollar app!</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></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></p><p> </p><p>Learn more about your ad choices. Visit <a href="https://megaphone.fm/adchoices">megaphone.fm/adchoices</a></p>