You'll Always Live Paycheck-to-Paycheck Until You Have a Budget

<p>🎟️<strong> </strong><a href="https://www.ramseysolutions.com/events/the-ramsey-show-live?utm_source=podcast_the_ramsey_show%20-%20podcast&amp;utm_medium=audio&amp;utm_campaign=trs%20live%202025&amp;utm_term=live_events_bu&amp;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>
Jade Warshaw and Ken Coleman answer your questions and discuss:</p>
<ul>
  <li>"Should we sell our home to get out of debt?"</li>
  <li>"I don't see how I can finish college without taking on more debt..."</li>
  <li>"Should I sell my rentals?"</li>
  <li>"Can I afford to retire now?"</li>
  <li>"How do I pay off a 401(k) loan?"</li>
  <li>"Should I take out a loan to speed up building my house?"</li>
  <li>"How do I financially prepare to leave my husband?"</li>
  <li>"Is it normal to have difficulties changing from using credit cards to cash?"</li>
  <li>"How do I make a budget?"</li>
  <li>"My ex-wife and I disagree on the purchase of our son's first car..."</li>
  <li>"The sale of our family business went sideways and wiped out my retirement..."</li>
  <li>"My car is totaled and I don’t have savings. Should I get a car loan?"</li>
  <li>"Should I pursue a relationship with a man when I'm not sure I trust him financially?"</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&amp;utm_medium=product_shelf">⁠ <u>⁠send us an email</u>⁠</a>.</p>
<p>📱 <a href="https://ramsey.solutions/qq4xdb">⁠Get episodes early in the free Ramsey Network app! ⁠</a></p>
<p>⛰️ <a href="https://www.ramseysolutions.com/get-started">⁠⁠Find out your Baby Step and get a plan for your money. ⁠</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://ter.li/jkfgcn">For help with investing, get connected with a SmartVestor Pro.</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&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>Ramsey Solutions is a paid, non-client promoter of SmartVestor Pros.</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>