Dave answers questions from across America about your life and your money. 

Also Mentioned on the Show:

• Decide to live smarter at the Smart Conference.
• A date night worth investing in: Money & Marriage Event.
• Learn how to make smart decisions now to help you live your retirement dreams with Retire Inspired. 

Thanks for listening!

Using Google Play? Here are links to the resources mentioned above:

• EveryDollar: https://goo.gl/j2acMb
• Smart Conference: https://goo.gl/FaeVAg
• Money & Marriage Event: https://goo.gl/zL8eyS

Dave answers questions from across America about your life and your money. Featured Call: A man in Florida asks Dave if his in-laws should do a reverse mortgage on their home. Listen as Dave explains why reverse mortgages are one of the worst financial choices you can make. Debt-Free Scream: A couple from Iowa visits the show to share how they paid off $52,000 in just 2 years!

Also Mentioned on the Show:

• Never worry about money again with Financial Peace University.
• Help people win with money. Become a FPU Coordinator.
• Learn how to make smart decisions now to help you live your retirement dreams with Retire Inspired. 
• You CAN win with money. We can show you how at the Smart Money Event.

Thanks for listening!

Using Google Play? Here are links to the resources mentioned above:

• Smart Money Event: https://goo.gl/gbef8X
• Financial Peace University: https://goo.gl/Ui6MDT
• FPU Coordinator: https://goo.gl/zhrmcD
• Retire Inspired: https://goo.gl/LL1RMU

Dave opens the show by addressing the hopeless haters on social media who think it's impossible to build wealth without taking out student loans: "Don't tell me you can't go to school debt-free. You've chosen not to go to school debt-free." Dave answers questions from across America about your life and your money. Featured call: A wife in Texas is being audited by the IRS and doesn't want to tell her husband about a new bill that's due. Listen as Dave explains the best way to handle finances in marriage. Debt-Free Scream: A single mom in Connecticut calls the show to share how she paid off $40,029 in one year: "I was working a whole lot and every dollar that I made from overtime went towards the debt."  

Also Mentioned on the Show:

• Find out how to become a millionaire with Everyday Millionaires.
• Learn how to make smart decisions now to help you live your retirement dreams with Retire Inspired. 
• Get out of debt with a proven seven-step plan in The Total Money Makeover.
• Protect your family with Zander Insurance.
• You CAN win with money. We can show you how at Ramsey Smart Money.

Thanks for listening!

Using Google Play? Here are links to the resources mentioned above:

• Everyday Millionaires: https://goo.gl/Y6hgd4
• The Total Money Makeover: https://goo.gl/jNEJM9
• Retire Inspired: https://goo.gl/LL1RMU
• Zander Term Life Insurance: https://www.zanderins.com/term/instantquote.aspx
• Smart Money Event: https://goo.gl/gbef8X

Dave opens the show with a classic DAVE RANT: "The problem is . . . you couldn't resist buying crap that you didn't have the money for." Debt-Free Scream: A project manager from Georgia visits the show to share what motivated her to pay off $69,000 in just over one year! Studio Guest: Ramsey Personality Rachel Cruze joins Dave in studio to discuss contentment and to answer questions from across America about your life and your money. Featured Call: A newly engaged man in Ohio calls the show because he's struggling with the idea of pausing retirement investing in order to pay off student loans. Listen as Dave and Rachel explain the importance of being focused on the goal to pay down debt quickly!

How to Find Rachel Cruze:

• Watch The Rachel Cruze Show to learn how to take control of your money and create a life you love.
• See Rachel in person at a Money and Marriage Event to reconnect and realign the goals of your relationship and your finances!
• Read Love Your Life Not Theirs, 7 Money Habits For Living the Life You Want
• Read Smart Money Smart Kids, Raising the Next Generation to Win with Money

Also Mentioned on the Show:

• Learn how to make smart decisions now to help you live your retirement dreams with Retire Inspired.  

Thanks for listening!

Using Google Play? Here are links to the resources mentioned above:

• Retire Inspired: https://goo.gl/LL1RMU
• The Rachel Cruze Show: https://www.rachelcruze.com/show
• Money and Marriage Event: https://goo.gl/zL8eyS
• Smart Money Smart Kids: https://goo.gl/DqCTQz
• Love Your Life Not Theirs: https://goo.gl/3kA4CT

Dave answers questions from across America about your life and your money. Everyday Millionaire: Dave interviews a man in Texas with an investing question who consistently put money into his 401(k) over the years: "I never thought I'd be a millionaire, but here I am." Debt-Free Scream: A couple from Indiana visits the show to share their "Maternity Pants Meltdown" debt-free story!  Twitter: Dave responds to a question on Twitter about survivor benefits. Follow @DaveRamsey on Twitter to post your own question for Dave!

Calls This Episode:

• When should I start investing in a Roth IRA?
• I'm living paycheck to paycheck and cant' get ahead.
• How should I spend my nest egg?
• Would it be better to sell my house without a real estate agent so I can make more on it?

Also Mentioned on the Show:

• The American Dream isn't dead. Find out how you CAN become a millionaire with Everyday Millionaires.
• Budgeting just got easy with EveryDollar!
• You CAN win with money. We can show you how at Ramsey Smart Money.
• Decide to live smarter at the Smart Conference.
• Learn how to make smart decisions now to help you live your retirement dreams with Retire Inspired. 
• Your personal information is everywhere. Protect yourself with Zander Identity Theft Insurance.

Thanks for listening!

Using Google Play? Here are links to the resources mentioned above:

• Everyday Millionaires: https://goo.gl/Y6hgd4
• EveryDollar: https://goo.gl/j2acMb
• Smart Money Event: https://goo.gl/gbef8X
• Smart Conference: https://goo.gl/FaeVAg
• Retire Inspired: https://goo.gl/LL1RMU
• Zander Identity Theft Insurance: https://www.zanderins.com/idtheft2

Dave answers questions from across America about your life and your money. Featured Question: A man in Washington asks Dave if it's okay to use the emergency fund to replace "Sally the Truck" because it has no heat. Dave has lots of fun chatting with this gazelle-intense caller: "A guy who has a space heater plugged in to the cigarette lighter in his car will never borrow money again!" Debt-Free Scream: A couple in Minnesota calls the show to share how they paid off $134,000 in less than 2 years: "We didn't make a single money decision . . . without talking to each other." DAVE RANT: Dave remembers John McCain and remarks on how it's sad that Americans can't disagree without being disagreeable.

Calls This Episode:

• Should I use our emergency fund to replace our car?
• Is it best to sell my land to pay off student loans and finish my degree?
• I want to become a dentist, but going into that much debt intimidates me.

Also Mentioned on the Show:

• Budgeting just got easy with EveryDollar!
• Learn the steps to get out of debt with The Total Money Makeover.
• You CAN be a millionaire. Find out how with Everyday Millionaires.
• Never worry about money again with Financial Peace University.
• Learn how to make smart decisions now to help you live your retirement dreams with Retire Inspired. 
• Don't "DIY" your investment! Work with a qualified investing professional.
• Dave's hiring! Apply to work at the BEST place in Nashville.

Thanks for listening!

Using Google Play? Here are links to the resources mentioned above:

• EveryDollar: https://goo.gl/j2acMb
• The Total Money Makeover: https://goo.gl/jNEJM9
• Everyday Millionaires: https://goo.gl/Y6hgd4
• Financial Peace University: https://goo.gl/Ui6MDT
• Retire Inspired: https://goo.gl/LL1RMU
• SmartVestor: https://goo.gl/W5QDi5
• Dave's Hiring: https://goo.gl/19kxP3

"You don't want to turn an emotional loss into a financial battle." —Chris Hogan

Retirement expert Chris Hogan joins Dave in studio to discuss best practices in leaving a legacy for your family. Dave and Chris answer questions from across America about your life and your money. Featured call: A dad in New York makes over $220 a year but isn't making progress on paying down debt. Listen as Chris challenges him to take responsibility for the problem: "The thing is, you have to make a decision for yourself. Are you going to keep making these credit card companies rich . . . or are you going to do the thing that I think you want to do deep down in your heart? And that's building a legacy for you, your wife and your children." Millionaire Study: Dave and Chris discuss the results of the largest study of net-worth millionaires ever done.

Calls this Episode:

• My debt-free process isn't working. 
• Can I afford to buy a lake house?
• Is it okay for me to buy a more expensive car?
• Should I accept a low-ball offer on my house?

Want to Hear More From Chris Hogan? 

• Listen to The Chris Hogan Show.
• Read Retire Inspired: It's Not An Age; It's a Financial Number
• Attend the Smart Money event to see Chris in person.
• You Can Become an Everyday Millionaire. Read Everyday Millionaires to learn how to create a solid plan for your money. 
• Watch Chris on YouTube and subscribe!  

Also Mentioned on the Show:

• Get the Financial Peace + Everyday Millionaires Bundle!
• Enter the Millionaire Kickstarter Giveaway for a chance to win $5,500.
• Budgeting just got easy with EveryDollar!
• Help people win with money. Become a FPU Coordinator!

Thanks for listening!

Using Google Play? Here are links to the resources mentioned above:

• Become a FPU Coordinator: https://goo.gl/zhrmcD
• Retire Inspired: https://goo.gl/LL1RMU
• EveryDollar: https://goo.gl/j2acMb
• Financial Peace University: https://goo.gl/Ui6MDT
• Millionaire Kickstarter Giveaway: https://goo.gl/LQ18pD
• Everyday Millionaires: https://goo.gl/Y6hgd4
• FPU + Everyday Millionaires Bundle: https://goo.gl/VwqqE6 

Dave answers questions from across America about your life and your money. Social Media: Dave responds to a question on Twitter asking why he doesn't help his callers by giving them money. Follow @DaveRamsey to post your own question for Dave. Special Guest: Dave interviews Craig Groeschel on air about doubting your faith. "Don't deny your doubts. Don't pretend they're not there. I believe God would rather you yell at him than to walk away from Him." — Craig Groeschel  Debt-Free Scream:  A couple from Memphis, Tennessee visits the show to share how they paid off $35,000 in just 13 months! 

Calls This Episode:

• What's the best way to budget for our wedding?
• What should be our first priority in Baby Step 4?
• How much of my net worth should be tied up in property?

Find Craig Groeschel: 

• Become the person God created you to be at Life.Church.
• Effective teaching to take the mystery out of leadership: Craig Groeschel's Leadership Podcast.

Also Mentioned on the Show:

• Decide to live smarter at the Smart Conference.
• Learn the steps to get out of debt with The Total Money Makeover.
• Never worry about money again with Financial Peace University.
• Learn how to make smart decisions now to help you live your retirement dreams with Retire Inspired. 

Thanks for listening!

Using Google Play? Here are links to the resources mentioned above:

• Smart Conference: https://goo.gl/FaeVAg
• Life.Church: https://www.life.church/
• Craig Groeshel's Leadership podcast: https://www.life.church/leadershippodcast/
• The Total Money Makeover: https://goo.gl/jNEJM9
• Financial Peace University: https://goo.gl/Ui6MDT
• Retire Inspired: https://goo.gl/LL1RMU

"The more expensive a vehicle is the more difficult it is to sell." — Dave

Dave answers questions from across America about your life and your money. Featured Question: A man in Texas needs advice because he owes $49,000 on a truck and only makes $60,000 per year. Listen as Dave explains how get out from under the vehicle: "You need to find what your payoff balance is." Debt-Free Scream: A couple from North Carolina visits the show to share how they paid off $60,000 in less than 2 years.

Calls This Episode:

• I owe $49,000 on my truck. How do I sell it?
• I don't make enough to save $1,000 for Baby Step 1.
• How fast can I pay off our student loans?
• Should I start a side hustle?
• How can I set boundaries with my family?

Also Mentioned on the Show:

• Budgeting just got easy with EveryDollar!
• Learn the steps to get out of debt with The Total Money Makeover.
• You CAN be a millionaire. Find out how with Everyday Millionaires.
• Never worry about money again with Financial Peace University.
• Learn how to make smart decisions now to help you live your retirement dreams with Retire Inspired. 
• Get the plan you want and the answers you need to grow your business at the Business Boutique event.

Thanks for listening!

Using Google Play? Here are links to the resources mentioned above:

• EveryDollar: https://goo.gl/j2acMb
• The Total Money Makeover: https://goo.gl/jNEJM9
• Everyday Millionaires: https://goo.gl/Y6hgd4
• Millionaire Kickstarter Giveaway: https://goo.gl/LQ18pD
• Financial Peace University: https://goo.gl/Ui6MDT
• Become a FPU Coordinator: https://goo.gl/zhrmcD
• Retire Inspired: https://goo.gl/LL1RMU
• EntreLeadership Summit: https://www.entreleadership.com/summit
• Business Boutique event: https://goo.gl/AMXNfq

 "I'm a natural spender . . . I figured out I could spend more if I had more." — Dave

Dave answers questions from across America about your life and your money. Featured Question: A man in Chicago calls Dave asking for advice because he can't seem to get motivated to save money. Listen as Dave gives him three significant reasons to start saving, even if you're a natural spender. Debt-Free Scream: A couple in West Virginia calls the show to share their debt-free journey: "It became sorta fun—we're watching our budget and watching our debt just trickle down." DAVE RANT: "How much would you give if you weren't broke?" 

Calls This Episode:

• How can I be better at saving money?
• Am I over-obsessed with investing?
• Is it wise to consolidate student loans?
• Am I obligated to pay back a Parent Plus loan?

Also Mentioned on the Show:

• Budgeting just got easy with EveryDollar!
• Learn the steps to get out of debt with The Total Money Makeover.
• You CAN be a millionaire. Find out how with Everyday Millionaires.
• Never worry about money again with Financial Peace University.
• Learn how to make smart decisions now to help you live your retirement dreams with Retire Inspired.

Thanks for listening!

Using Google Play? Here are links to the resources mentioned above:

• EveryDollar: https://goo.gl/j2acMb
• Retire Inspired: https://goo.gl/LL1RMU
• The Total Money Makeover: https://goo.gl/jNEJM9
• Everyday Millionaires: https://goo.gl/Y6hgd4
• Financial Peace University: https://goo.gl/Ui6MDT