"There is no data that says the size of the ring equals the success of the marriage." — Dave

Dave answers questions from across America about your life and your money. Featured Question: A grad student from Philadelphia needs advice on when to get married and how much to spend on a ring and the wedding. Listen as Dave gives some practical budget guidelines and explains what makes a successful marriage: "There are lots of data points that say you two need to be on the same page when you get married."  Debt-Free Scream: A chef in Detroit, Michigan calls the show to share how it feels to pay off over $32,000 in just one year: "It is a huge weight off my shoulders . . . it feels amazing."  MINI DAVE RANT: "This is not a get-out-of-debt program. It's a wealth-building program." Social Media: Dave responds to a question on Facebook: "Is it better for newlyweds to rent or to buy?" Follow @DaveRamsey on Facebook to post your own question for Dave!

Calls This Episode:

• At what age should I start drawing my retirement pension?
• How do I figure out my net worth?
• What should I spend on the wedding?
• I don't feel comfortable getting joint bank accounts with my husband until we're on the same page with a budget.
• Should I defer my student loans?

Also Mentioned on the Show:

• Pensions don't have to be confusing. Use a SmartVestor Pro to understand your investments.
• 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.

Thanks for listening!

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

• SmartVestor Pro: https://goo.gl/W5QDi5
• 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

"Quit borrowing. You can't borrow more. You can't get out of a hole while digging out the bottom." — Dave

Dave answers questions from across America about your life and your money. Featured Question: A single mom is in debt up to her eyeballs while trying to pay for two daughters in school. Listen as she takes ownership of the financial mess she made as Dave tells her what steps to take to clean it up: "Every month you have to make every dollar behave. You are now happening to your money instead of your money happening to you." Debt-Free Scream: A local couple visits the studio to give Dave some barbecue sauce and share what motivated them to pay off $240,000: "7 years ago I lost a job that I thought I was going to have forever, and—man—I just never want to have that feeling ever again." Listen to hear what they did to cash-flow an anniversary trip to Maui in the middle of their debt-free journey! Social Media: Dave responds to a question on Twitter about REITs. Follow @DaveRamsey on Twitter to post your own question!

Calls This Episode:

• Should I take over the business I work for?
• How do I get out of debt?
• What should we do with a lump-sum payout my husband is getting when he retires?
• Can we buy a car before we save a 3–6 month emergency fund?

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.

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

"You don't have to be debt-free to get married . . . It's time to wrap this decade of your twenties up and move the rest of the way into adulthood." — Dave

Dave answers questions from across America about your life and your money. Featured Question: A truck driver and his fiancee are living paycheck to paycheck with zero savings, and he wants to know when they should get married. Listen as Dave coaches him through a proven plan to get control of their money: "I had to learn from rich people how to handle money, and one of the things I learned is they are not afraid to delay pleasure to win. Every decision they make with money, they think about the long-term consequences."  Debt-Free Scream: A family from Florida visits the show to share how they paid off over $151,000: "We pretty much cleaned out the gun safe, and I could probably write a book about the encounters I've had over Craig's List." DAVE RANT: "One of the things we struggle with in our culture today is we have a manhood crisis."

Calls this Episode:

• We're living paycheck to paycheck and have zero savings. How do we get started?
• My wife and I have to move to move to Paraguay for two years. Should we pause our debt snowball?

Also Mentioned on the Show:

• Stop living paycheck to paycheck with The Total Money Makeover.
• Budgeting just got easy with EveryDollar.
• You CAN be a millionaire. Find out how with Everyday Millionaires.
• Win $5,500 by entering the Millionaire Kickstarter Giveaway!
• 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.
• Find your best business idea at the Business Boutique Bootcamp!  

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
• Retire Inspired: https://goo.gl/LL1RMU
• Business Boutique Bootcamp: https://goo.gl/8s2Fdb
• Financial Peace University: https://goo.gl/Ui6MDT

"Wealth building isn't easy. It's unusual." — Dave

Dave answers questions from across America about your life and your money. Debt-Free Scream: A newlywed couple from Ohio visits the show to share how they paid off their student loans:"Live below your means and stay gazelle intense." 

Calls this Episode:

• How much should my business have in its emergency fund? 
• Should we refinance our mortgage?
• I can't get $1,000 saved for my starter emergency fund.
• Should I go back to school or move to an area where I have better job opportunities?

Also Mentioned on the Show:

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

Thanks for listening!

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

• The Total Money Makeover: https://goo.gl/jNEJM9
• 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. DAVE RANT: "Choices have consequences!" DEBT-FREE SCREAM: A single dad and his 2 kids visit the show from Connecticut to share how the Sandy Hook tragedy motivated him to pay off $333,000:"People meant well, but it was chaos and hard to get through." Dave closes the show with a teaching segment on the value of higher education.

Calls this Episode:

• Can I use my $1,000 emergency fund to pay for college?
• What are some alternatives to a 529 plan?

Also Mentioned on the Show:

• Budgeting just got easy with EveryDollar!
• Learn to get out of debt with The Total Money Makeover.
• Never worry about money again with Financial Peace University.
• You CAN be a millionaire. Find out how with Everyday Millionaires.
• Enter the Millionaire Kickstarter Giveaway for a chance to win $5,500.
• Find a qualified SmartVestor investing professional near you.
• Help people win with money. Become a FPU Coordinator!

Thanks for listening!

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

• The Total Money Makeover: https://goo.gl/jNEJM9
• Become a FPU Coordinator: https://goo.gl/zhrmcD
• 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

"If you just go in there and not be a zoo animal, it would be helpful." — Dave

Dave answers questions from across America about your life and your money. Business Boutique creator Christy Wright joins Dave in studio to chat about Featured Question: A young man competing for an internship wants advice on what kind of questions he should ask in an interview. Listen as Dave coaches him on how to make a great impression and what characteristics to bring to the table. Debt-Free Scream: A couple from Minnesota visits the studio to share how they paid off $110,000 of student loans after taking Financial Peace University: "The hardest part was seeing everyone else our age doing the normal thing and going on expensive vacations, and buying new houses and buying new cars." 

Calls this Episode:

• What should I do with my stock options? 
• Should we sell our house to become debt-free?
• What questions should I ask in an interview for a competitive internship?
• Should we use our emergency fund to pay legal fees?
• I'm new to investing and don't understand what the bank is telling me.

Also Mentioned on the Show:

• Never worry about money again with Financial Peace University.
• Find a qualified SmartVestor investing professional near you.

Thanks for listening!

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

• Financial Peace University: https://goo.gl/Ui6MDT
• SmartVestor Pro: https://goo.gl/W5QDi5

"The data tells us that the vast majority of people who build wealth have some kind of college under their belt." — Dave

Dave answers questions from across America about your life and your money. DAVE RANT: "Sometimes people don't have dysfunction because of lack of prosperity. They have lack of prosperity because of dysfunction—lack of character." Featured Question: A brand-new father asks if he should invest in UTMAs instead of 529s if he doesn't want to force his children to attend college? Listen as Dave explains why parents should expect their kids to go to college or trade school. Debt-Free Scream: One of Dave's own team members shares how he paid off $104,000 in less than 2 years!

Calls this Episode:

• My company wants me to take out a loan on a car for a new sales job.
• How should I invest "college" money if I don't want to force my kids to attend college?
• We backed out of a real estate contract. How do we get our earnest money back?
• Should I refinance my second mortgage into my first mortgage?
• What should our focus be after we finish saving for our kids' college funds?

Also Mentioned on the Show:

• You CAN be a millionaire. Find out how with Everyday Millionaires.
• Never worry about money again with Financial Peace University.

Thanks for listening!

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

• Everyday Millionaires: https://goo.gl/Y6hgd4
• Financial Peace University: https://goo.gl/Ui6MDT

"You need to decide what your desired future is . . . then that will tell you—almost automatically—what the the steps are to get there." — Dave

Dave answers questions from across America about your life and your money. Special Guest: Retirement expert and Ramsey Personality Chris Hogan joins Dave in studio to talk about an extensive study the Ramsey Research Team launched to figure out exactly what over 10,000 net-worth millionaires did to win with money. "Getting out of debt is the prerequisite to building wealth." — Dave  Featured Call: A 20 year-old Walmart associate asks Dave for advice because he doesn't have a clear plan for his future, but he doesn't think college is the right choice for him. MINI DAVE RANT: Dave sets the record straight on why he doesn't dance around the truth when people call him for advice: "I'm not going to participate in your insanity that's going to bring you harm. I'm going to be a truth-teller in your life because I care about you and want you to win." 

Calls this Episode:

• I feel stuck by my debt. What can I do to get control of my money problems?
• Should we sell our house to help get rid of $300,000 in debt?
• Was it a bad idea for me to use a company car allowance to buy a Denali?
• Can you settle a dispute between me and my husband about whether to pay off our mortgage in Baby Step 2.
• Should I move my deferred comp account?
• What's the best way to bring up our money problems with my wife?

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:

• Stop being average. Start being awesome. Read START.
• Learn how to get out of debt with The Total Money Makeover.
• Never worry about money again with Financial Peace University.
• Enter the Millionaire Kickstarter Giveaway for a chance to win $5,500.
• Get out of debt with FPU and build wealth with the Everyday Millionaires Bundle.

Thanks for listening!

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

• START: https://goo.gl/Ura6EK
• The Total Money Makeover: https://goo.gl/jNEJM9
• Financial Peace University: https://goo.gl/Ui6MDT
• Millionaire Kickstarter Giveaway: https://goo.gl/LQ18pD
• Everyday Millionaires Bundle: https://goo.gl/VwqqE6  

Dave answers questions from across America about your life and your money. Featured Question: A small-business owner asks how to determine what she should be setting aside to pay quarterly taxes. Listen as Dave explains how to set up business accounts to plan for this expense. DEBT-FREE SCREAM:  A couple in North Carolina visits the show to share how they paid off $119,500 in less than 2 years!

Calls this Episode:

• I'm scared to take money out of savings to pay off my car.
• Can we put our tithe into a 503(b) giving fund?
• We're newlyweds, and I want to sell the car my wife's parents gave her, but she's not on board.
• Should we sell our house to pay off debt?
• We bought a car we can't afford, but our car seats won't fit in it!
• How much do you recommend I set aside to start my own bookkeeping business?
• Can you explain mutual funds to me?

Also Mentioned on the Show:

• Budgeting just got easy with EveryDollar!
• Never worry about money again with Financial Peace University.
• Enter the Millionaire Kickstarter Giveaway for a chance to win $5,500.
• Find a qualified SmartVestor investing professional near you.

Thanks for listening!

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

• EveryDollar: https://goo.gl/j2acMb
• Financial Peace University: https://goo.gl/Ui6MDT
• Millionaire Kickstarter Giveaway: https://goo.gl/LQ18pD
• SmartVestor Pro: https://goo.gl/W5QDi5

"Broke people make decisions based on what feels good Friday and rich people make decisions on what feels good a decade from now." — Dave

Dave answers questions from across America about your life and your money. Featured Call: A truck driver in Arkansas calls Dave frustrated because his truck keeps needing repairs and he can't get ahead. Listen as Dave helps him set aside his emotions and assess the situation logically: "100% of the time that I get desperate, right after I get desperate I get stupid."  DEBT-FREE SCREAM: A couple in Washington, D.C., calls Dave to share what motivated them to pay off $58,000 in just 2 years: "I was so tired of being scared." 

Calls this Episode:

• I don't want to get a loan, but my truck repairs keep using my emergency fund.
• Is it okay for me to quit my job and start teaching cello?
• Should I take a second full-time job to attack my debt and save for my kid's college fund?
• Should I pay of debts with a higher interest rate first?
• How can I find tenants for my office space?
• Do we need to stop contributing to our 401(k) while we pay off debt?
• I'm tired of having student loans. Should I sell my house and live in a cheap trailer to pay them off?

Also Mentioned on the Show:

• Help people win with money. Become a FPU Coordinator.
• Never worry about money again with Financial Peace University.
• Make money doing what you love with Business Boutique.  
• Learn to get out of debt with The Total Money Makeover.
• 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:

• Become a FPU Coordinator: https://goo.gl/zhrmcD
• Financial Peace University: https://goo.gl/Ui6MDT
• Business Boutique: https://goo.gl/aA66Pt
• The Total Money Makeover: https://goo.gl/jNEJM9
• Retire Inspired: https://goo.gl/LL1RMU