The Ramsey Show

Stop Chasing Payments and Choose Freedom

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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?”


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