October 30, 2025

Stop Chasing Payments and Choose Freedom

2 hours 17 minutes

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Rachel Cruze and Dr. John Delony answer your questions and discuss:

“Should I let my car get repossessed and get a cheaper car or get it paid off?”

“How do I ask for a raise based on my performance at work?”

“We’ve paid off our house and have kids’ college done, but still struggle with saving and paying off debt”

“Should we file bankruptcy?”

“Should I pay off my credit card with an old retirement account?”

“How do we deal with friends while paying off debt?”

“How do we protect our assets in case one of us relapses?”

“I’m almost done with baby step 3, how aggressive should we be with investing for retirement vs. paying off our house?”

“After I pay all my bills, I only have $100 left. How do I find more margin in my budget to pay off $7,000 of debt?”

“How do we organize a 529 plan from my parents that I didn’t use and transition it to my two kids?”

“How do we get out of the financial disaster that we’re in?”

“I’ve been taking care of 3 handicapped family members and I now have no savings. How do I get my finances built back up?”

Next Steps:

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