You Don't Get Out of Debt by Accident— Choose Your Hard
The Ramsey Show
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10 min
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2:00
4:00
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1:00:00
2:00:00
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❓ Have a money question? Ask Ramsey is here to help!
Ken Coleman and Jade Warshaw answer your questions and discuss:
- "I feel let down by my husband's spending habits?"
- "We're in $600,000 of student loan debt and have a baby on the way. How do we work the baby steps?"
- "I keep going deeper into debt because of my spending habits"
- "Our home mortgage is 40% of our income, should we refinance?"
- "How do I talk to my in-laws about the $48,000 my wife owes them?"
- "We offered $24,000 for our daughter's wedding, they want to spend half of it on the wedding and keep the other half"
- "How are we supposed to pay $2459 for health insurance premiums?"
- "Should I pay off the mortgage incrementally or should I invest the money until I can pay off the house in full?"
- "What's the difference between sinking funds and recurring expenses?"
- "My wife thinks I'm jumping the gun by getting life insurance for a baby we are planning for"
- "We're $176,000 in debt, should we sell our cars?"
- "How do I pay off debt and plan for the future as a single mom?"
- "My mortgage has a balloon payment, how do I pay this off?"
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.
- Protect yourself with trusted insurance coverage that fits your budget.
- Join the Crusade! Apply Now!
- Start your free budget today. Download the EveryDollar app!
- Need help with your taxes? See who we trust.
- Think you're good with money? Take our free quiz!
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/hldjxk">Have a money question? Ask Ramsey is here to help!</a></p> <p><br></p> <p>Ken Coleman and Jade Warshaw answer your questions and discuss:</p> <ul> <li>“I feel let down by my husband’s spending habits?”</li> <li>”We’re in $600,000 of student loan debt and have a baby on the way. How do we work the baby steps?”</li> <li>“I keep going deeper into debt because of my spending habits”</li> <li>“Our home mortgage is 40% of our income, should we refinance?”</li> <li>“How do I talk to my in-laws about the $48,000 my wife owes them?”</li> <li>“We offered $24,000 for our daughter’s wedding, they want to spend half of it on the wedding and keep the other half”</li> <li>“How are we supposed to pay $2459 for health insurance premiums?”</li> <li>“Should I pay off the mortgage incrementally or should I invest the money until I can pay off the house in full?”</li> <li>“What’s the difference between sinking funds and recurring expenses?”</li> <li>“My wife thinks I’m jumping the gun by getting life insurance for a baby we are planning for”</li> <li>“We’re $176,000 in debt, should we sell our cars?”</li> <li>“How do I pay off debt and plan for the future as a single mom?”</li> <li>“My mortgage has a balloon payment, how do I pay this off?”</li> </ul> <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://ter.li/enqybu">Protect yourself with trusted insurance coverage that fits your budget.</a></p> <p>🏢 <a href="https://jobs.jobvite.com/daveramsey?_ga=2.69245715.2057109761.1697655841-817435790.1629741708&__jvst=Podcast">Join the Crusade! Apply Now!</a></p> <p>📲 <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/x7t76q">Need help with your taxes? See who we trust.</a></p> <p>💵 <a href="https://ter.li/vqz8kk">Think you're good with money? Take our free quiz!</a></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&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
❓ Have a money question? Ask Ramsey is here to help!
Ken Coleman and Jade Warshaw answer your questions and discuss:
- "I feel let down by my husband's spending habits?"
- "We're in $600,000 of student loan debt and have a baby on the way. How do we work the baby steps?"
- "I keep going deeper into debt because of my spending habits"
- "Our home mortgage is 40% of our income, should we refinance?"
- "How do I talk to my in-laws about the $48,000 my wife owes them?"
- "We offered $24,000 for our daughter's wedding, they want to spend half of it on the wedding and keep the other half"
- "How are we supposed to pay $2459 for health insurance premiums?"
- "Should I pay off the mortgage incrementally or should I invest the money until I can pay off the house in full?"
- "What's the difference between sinking funds and recurring expenses?"
- "My wife thinks I'm jumping the gun by getting life insurance for a baby we are planning for"
- "We're $176,000 in debt, should we sell our cars?"
- "How do I pay off debt and plan for the future as a single mom?"
- "My mortgage has a balloon payment, how do I pay this off?"
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.
- Protect yourself with trusted insurance coverage that fits your budget.
- Join the Crusade! Apply Now!
- Start your free budget today. Download the EveryDollar app!
- Need help with your taxes? See who we trust.
- Think you're good with money? Take our free quiz!
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/hldjxk">Have a money question? Ask Ramsey is here to help!</a></p> <p><br></p> <p>Ken Coleman and Jade Warshaw answer your questions and discuss:</p> <ul> <li>“I feel let down by my husband’s spending habits?”</li> <li>”We’re in $600,000 of student loan debt and have a baby on the way. How do we work the baby steps?”</li> <li>“I keep going deeper into debt because of my spending habits”</li> <li>“Our home mortgage is 40% of our income, should we refinance?”</li> <li>“How do I talk to my in-laws about the $48,000 my wife owes them?”</li> <li>“We offered $24,000 for our daughter’s wedding, they want to spend half of it on the wedding and keep the other half”</li> <li>“How are we supposed to pay $2459 for health insurance premiums?”</li> <li>“Should I pay off the mortgage incrementally or should I invest the money until I can pay off the house in full?”</li> <li>“What’s the difference between sinking funds and recurring expenses?”</li> <li>“My wife thinks I’m jumping the gun by getting life insurance for a baby we are planning for”</li> <li>“We’re $176,000 in debt, should we sell our cars?”</li> <li>“How do I pay off debt and plan for the future as a single mom?”</li> <li>“My mortgage has a balloon payment, how do I pay this off?”</li> </ul> <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://ter.li/enqybu">Protect yourself with trusted insurance coverage that fits your budget.</a></p> <p>🏢 <a href="https://jobs.jobvite.com/daveramsey?_ga=2.69245715.2057109761.1697655841-817435790.1629741708&__jvst=Podcast">Join the Crusade! Apply Now!</a></p> <p>📲 <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/x7t76q">Need help with your taxes? See who we trust.</a></p> <p>💵 <a href="https://ter.li/vqz8kk">Think you're good with money? Take our free quiz!</a></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&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>