There Is Hope When Debt and Life Feel Overwhelming

<p>❓<a href="https://ter.li/hldjxk">Have a money question? Ask Ramsey is here to help!</a></p>
<p><br></p>
<p>George Kamel and Dr. John Delony answer your questions and discuss:</p>
<ul>
  <li>"How do we deal with the $300,000 of debt my wife racked up in predatory loans?"</li>
  <li>"How can I get my wife to understand she needs to contribute to our finances?"</li>
  <li>"I took out some payday loans while having a manic episode. How do I get on the Baby Steps and get out of this situation?"</li>
  <li>"Should I split my retirement contributions into different accounts?"</li>
  <li>"My house needs repairs but I can't afford it. What should I do?"</li>
  <li>"How do we go about paying off our debt? ". </li>
</ul>
<p><br></p>
<p><strong>Next Steps:</strong></p>
<p>💵 <a href="https://ter.li/ad9q4v">What is a 529 Plan?</a></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>💵 <u>⁠</u><a href="https://ramsey.solutions/6okro3">⁠⁠<u>Start your free budget today. Download the EveryDollar app!</u>⁠⁠</a></p>
<p>🛡️ <a href="https://ter.li/enqybu">⁠Protect yourself with trusted insurance coverage that fits your budget</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>📈 What is a 529 Plan?</p>
<p><br></p>
<p><strong>Connect With Our Sponsors:</strong></p>
<ul>
  <li>Get 10% off your first month of <a href="https://www.betterhelp.com/Delony">⁠⁠⁠<strong>BetterHelp</strong>⁠⁠⁠</a><strong></strong>
</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>If you want your car to keep going and going, trust <a href="https://www.cbac.com/ramsey">⁠⁠⁠<strong>Christian Brothers Automotive</strong>⁠⁠⁠</a>. Find a local shop and get an exclusive Ramsey discount of 10% off</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</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><br></p>
<p><br></p><p> </p><p>Learn more about your ad choices. Visit <a href="https://megaphone.fm/adchoices">megaphone.fm/adchoices</a></p>