"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

"You have to stop saying what you FEEL like and say what you're going to do." — Anthony

Ramsey Personalities Chris Hogan and Anthony ONeal answer questions from across America about your life and your money and respond to an Instagram post from a woman who feels like she'll never be able to get all of her credit card debt paid off. Follow Dave Ramsey on Instagram to post your own question! Featured call: I financed a mattress. Should I pay half of it off before I save my full emergency fund? Listen as Chris coaches him to take responsibility for his debt: "Is that mattress comfortable?!"  Shout Out: Chris and Anthony remember Aretha Franklin. 

Calls this Episode:

• Should I take a semester off school to pay down my student loans? 
• Is it better for me to use half of my bonus check to pay off a mattress I financed?
• We have $90,000 in debt, only make $54,000, and can't stay motivated.
• How should my mom invest the money she made off a home sale?
• Should I roll my 403(b) over to a Roth IRA?
• Are mutual funds or IRAs a better investment?

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!  

Want to Hear More From Anthony ONeal? 

• Subscribe on YouTube: Anthony ONeal
• Read The Graduate Survival Guide: Five Mistakes You Can't Afford to Make in College
• Get The Teen Entrepreneur Toolbox: The Small Business Guide for Teens.
• See Anthony Live.

Also Mentioned on the Show:

• Learn how to win with The Total Money Makeover.
• Never worry about money again with Financial Peace University.
• Schedule a Ramsey Personality to inspire you!
• Find a qualified investment professional near you.
• Create a business plan you can put into action right away at the Business Boutique Event.

Thanks for listening!

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

• The Total Money Makeover: https://goo.gl/jNEJM9
• SmartVestor Pro: https://goo.gl/W5QDi5
• The Chris Hogan Show: https:/goo.gl/Rc7o13
• Chris's YouTube channel: http://www.youtube.com/ChrisHogan360
• Retire Inspired: https:/goo.gl/LL1RMU
• Everyday Millionaires: https://goo.gl/Y6hgd4
• See Chris Hogan at Smart Money: https:/goo.gl/gbef8X
• Financial Peace University: https://goo.gl/Ui6MDT
• The Teen Entrepreneur Toolbox: https://goo.gl/8gZf3V
• The Graduate Survival Guide: https://goo.gl/PiMYjj
• See Anthony live: https://www.anthonyoneal.com/events/
• Anthony's YouTube channel: https://www.youtube.com/anthonyoneal
• Ramsey Speakers Group: https://www.daveramsey.com/speakers?snid=footer.events.speakers
• Business Boutique Event: https://goo.gl/AMXNfq

"It sounds like maybe in the past your mom has motivated her grown children with guilt trips." — Dave

Dave answers questions from across America about your life and your money. Featured Call: A woman in Minneapolis asks whether they should set aside a separate emergency fund for family in Nicaragua who keep asking for money. Listen as Dave discusses the cultural and economic differences between America and other parts of the world, and gives practical advice on when to help and when to say no. DAVE RANT: Dave responds to a Twitter post about how to motivate your employees to care: "I don't. I hire motivated people."  Follow @DaveRamsey on Twitter to leave your own question for Dave.

Calls this Episode:

• How can I get my mom to be responsible with money?
• I'm not sure how to pay $30,000 for fertility treatments.
• Should we say no to family asking for money?
• Is it smart to participate in student loan forgiveness programs?
• Should I sell my car or keep it and pay it off?
• When should I give up fighting for my mom's estate?

Also Mentioned on the Show:

• Never worry about money again with Financial Peace University.
• Develop healthy relationship with clear boundaries. Read Boundaries by Dr. Henry Cloud.
• Enter the Millionaire Kickstarter Giveaway for a chance to win $5,500.
• Decide to live smarter at the Smart Conference.

Thanks for listening!

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

• Financial Peace University: https://goo.gl/Ui6MDT
• Smart Conference: https://goo.gl/FaeVAg
• Boundaries: https://goo.gl/XXS2Z3
• Millionaire Kickstarter Giveaway: https://goo.gl/LQ18pD

"Anyone can win. There's an element of taking personal responsibility . . . " — Dave

Dave answers questions from across America about your life and your money. Retirement expert Chris Hogan and Dave chat about what it's like to live paycheck to paycheck and how anyone can turn it around and become a millionaire: "Debt is a thief. It steals from your now, but it also steals from your later." — Chris Hogan

Calls this Episode:

• A homeless man calls Dave to thank him for giving him HOPE.
• I'm losing my job. Should I start a business?
• Should I pay down my wife's student loan debt?
• Are prepaid debit cards a smart tool for kids?
• What's the best way to pay off the house early?
• How can I get my job application noticed?

Also Mentioned on the Show:

• Learn how to win with The Total Money Makeover.
• Never worry about money again with Financial Peace University.

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. 

Thanks for listening!

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

• The Total Money Makeover: https://goo.gl/jNEJM9
• Everyday Millionaires: https://goo.gl/Y6hgd4
• Financial Peace University: https://goo.gl/Ui6MDT

"Student loan debt is not bankrupt-able." — Dave

Dave answers questions from across America about your life and your money and gives his advice on choosing a home. Featured call: A young lady in Texas is barely making it on only $19,000 and is overwhelmed by the amount of debt she has. Dave gives specific advice on how to take control of her situation without declaring bankruptcy: "You really don't have a debt problem. You have an income problem." Social Media: Dave is asked whether he gets tired of asking the same questions over and over. Listen to his honest reply and visit Dave's Facebook page to leave your own question for Dave.

Calls this Episode:

• Should I declare bankruptcy?
• How do I handle suing my ex for being in contempt of court?
• What should I do with an insurance settlement?
• Should I pay off my rental property or sell it?
• Is investing in a franchise a smart idea?

Also Mentioned on the Show:

• Never worry about money again with Financial Peace University.
• Find out how you CAN become a millionaire. Read Everyday Millionaires. 

Thanks for listening!

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

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

"If you don't have a will then the state gets to make decisions for you." — Chris Hogan

Retirement expert Chris Hogan answers questions from across America about your life and your money. Featured call: A young dad asks Chris who he should give copies of his will to. Listen to Chris explain the best way to secure important legal documents. This call leads to a CHRIS RANT about protecting yourself and your family by getting a will. Chris explains what a FICO score really is and why you don't need one!

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.  

Calls this Episode:

• What should I do with the money I get when I sell two homes? 
• How do I store my will and legacy documents?
• Should I build my credit with Self Lender so I can buy a mobile home?
• What can I do with extra college scholarship money?
• How should I handle my 457(b) investment?
• What's the best way to balance time with family and taking on extra jobs to get out of debt?

Also Mentioned on the Show:

• Find a top real estate agent near you.
• Text SURVEY to 33789 
• Learn the Baby Steps with The Total Money Makeover.
• Don't let your money be lazy. Make it work for you with a SmartVestor Pro.
• Let Christy Wright help you learn to make money doing what you love by starting or growing your small business.
• 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.

Thanks for listening!

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

• ELP Real Estate: https://goo.gl/Cu4CRr
• The Total Money Makeover: https://goo.gl/jNEJM9
• SmartVestor Pro: https://goo.gl/W5QDi5
• EveryDollar: https://goo.gl/j2acMb
• Everyday Millionaires: https://goo.gl/Y6hgd4
• Millionaire Kickstarter Giveaway: https://goo.gl/LQ18pD
• Financial Peace University: https://goo.gl/Ui6MDT
• Retire Inspired: https://goo.gl/LL1RMU
• Smart Money: https://goo.gl/gbef8X
• The Chris Hogan Show: https://goo.gl/Rc7o13
• Christy Wright's Business Boutique: https://goo.gl/mRV9TB

"The word 'deferment,' y'all—all you're doing is delaying the inevitable." — Chris Hogan

Ramsey Personalities Chris Hogan and Anthony ONeal answer questions about your life and your money. Featured call: A man with over $200,000 in student loans asks if it's okay to start investing for retirement before paying off the debt. Chris and Anthony discuss the best way to attack loans and why you shouldn't keep putting it off with student loan deferment.

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.  

Want to Hear More From Anthony ONeal? 

• Subscribe on YouTube: Anthony ONeal
• Read The Graduate Survival Guide: Five Mistakes You Can't Afford to Make In College
• Get The Teen Entrepreneur Toolbox: The Small Business Guide for Teens.
• See Anthony Live.

Calls this Episode:

• Should we pay off our student loans before saving for retirement?
• What should I do with the $125K I've saved?
• Is it wise for us to sell our house and downsize?
• How do I start over financially as a single mom?
• What's the best way to pay my bills on a tight budget?
• Should I take out a loan for nursing school?

Also Mentioned on the Show:

• Learn the Baby Steps with The Total Money Makeover.
• Don't let your money be lazy. Make it work for you with a SmartVestor Pro.
• Let Christy Wright help you learn to make money doing what you love starting or growing your small business.
• Never worry about money again with Financial Peace University.
• Enter the Millionaire Kickstarter Giveaway for a chance to win $5,500.

Thanks for listening!

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

• The Total Money Makeover: https://goo.gl/jNEJM9
• SmartVestor Pro: https://goo.gl/W5QDi5
• Everyday Millionaires: https://goo.gl/Y6hgd4
• Millionaire Kickstarter Giveaway: https://goo.gl/LQ18pD
• Financial Peace University: https://goo.gl/Ui6MDT
• Retire Inspired: https://goo.gl/LL1RMU
• Anthony's YouTube Channel: https://www.youtube.com/anthonyoneal
• The Graduate Survival Guide: https://goo.gl/PiMYjj
• The Teen Entrepreneur Toolbox: https://goo.gl/8gZf3V
• Smart Money: https://goo.gl/gbef8X
• The Chris Hogan Show: https://goo.gl/Rc7o13
• See Anthony Live: https://www.anthonyoneal.com/events/
• Christy Wright's Business Boutique: https://goo.gl/mRV9TB

"If you don't like what the contract says, the suggestion is—as an adult—you shouldn't sign it." — Dave

Dave answers questions from across America about your life and your money and gives his advice on choosing a home. Featured call: A guy in Texas is upset with his insurance broker for the policy he chose. Dave cuts to the chase to explain that the policy isn't the problem! Listen to his advice on how to avoid the confusion in the future. DEBT-FREE SCREAM: A couple from Ohio visits the studio to share how they saved their marriage and paid off their mortgage. 

Calls this Episode:

• What size house should we buy?
• Can I get my insurance company to give me more money for my roof?
• Is it wise to invest my disability income?
• Should I cash out my IRA to pay off credit cards?
• Is $35,000 too much money to spend on a new car?
• How can we afford to pay my mother-in-law back for my wife's student loans when we have other debt?

Also Mentioned on the Show:

• Learn the Baby Steps 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.
• 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:

• The Total Money Makeover: https://goo.gl/jNEJM9
• Millionaire Kickstarter Giveaway: https://goo.gl/LQ18pD
• Financial Peace University: https://goo.gl/Ui6MDT
• Retire Inspired: https://goo.gl/LL1RMU

"She tells me she can't find her scissors. I think she's lying to me. We're going to deal with it." — Chris

Retirement expert and Ramsey Personality Chris Hogan takes calls from across America about your life and your money. Featured Call: A woman calls Chris with a mortgage question, then admits she still has credit cards. Listen as Chris coaches her to overcome her fear of cutting up her credit cards: "We've got to remove this false sense of security they're giving you . . . when we think different, we can start doing some things differently." 

Calls This Episode:

• When do I pay my deferred mortgage principal?
• Should I move my TSP to a Roth?
• What should we do about the inflated housing market?
• Should I be saving to pay off my mom's debts?
• Is it better for us to buy a smaller house or rent?
• What should I do if I can't afford my car?
• Is it okay to take out a mortgage on a house we can't afford to pay cash for?

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.   

Also Mentioned on the Show:

• Decide to live smarter at the Smart Conference!
• You Can Become an Everyday Millionaire. Read Everyday Millionaires to learn how to create a solid plan for your money.  
• Enter the Millionaire Kickstarter Giveaway for a chance to win $5,500.
• Budgeting is easy with EveryDollar!
• Never worry about money again with Financial Peace University.
• 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:

• Smart Conference: https://goo.gl/gbef8X
• Everyday Millionaires: https://goo.gl/Y6hgd4
• Retire Inspired: https://goo.gl/LL1RMU
• Millionaire Kickstarter giveaway: https://goo.gl/LQ18pD
• EveryDollar: https://goo.gl/j2acMb
• Financial Peace University: https://goo.gl/Ui6MDT
• The Total Money Makeover: https://goo.gl/jNEJM9

"You're going to be the most successful when you start with what you have." — Christy

Retirement expert and Ramsey Personality Chris Hogan takes calls from across America about your life and your money. Business Boutique creator Christy Wright joins Chris in the studio. Featured Call: An entrepreneur asks Christy for help deciding how big or small to launch her business. Listen as Christy encourages her to start with building trust by getting experience wherever she can: "Starting out, get your core program going and that will help you learn the market." — Christy

Calls This Episode:

• How should I start attacking my debt?
• Who is the best market for my business?
• Should I sell my car?
• Which side business should I invest my time in?
• Do I need long-term disability insurance?
• Should I grow my sales business or become a sales rep for a national company?
• Can I cash out an inherited IRA to pay off student loans?

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.   

Want to Hear More From Christy Wright? 

• Listen to Christy Wright's Business Boutique Podcast
• Read Business Boutique: A Woman's Guide to Making Money Doing What She Loves
• See Christy in person at the Business Boutique Event.

Also Mentioned on the Show:

• Decide to live smarter at the Smart Conference!
• Choose your best business idea with the Business Boutique Bootcamp! 
• You Can Become an Everyday Millionaire. Read Everyday Millionaires to learn how to create a solid plan for your money.  
• Enter the Millionaire Kickstarter Giveaway for a chance to win $5,500.
• Protect your family with Zander Term Life Insurance.
• Budgeting is easy with EveryDollar!
• Never worry about money again with Financial Peace University.
• Get your investing questions answered with a SmartVestor Pro.
• Skip the tax stress with an ELP Tax Pro.

Thanks for listening!

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

• Smart Conference: https://goo.gl/gbef8X
• Business Boutique Bootcamp: https://goo.gl/8s2Fdb
• Everyday Millionaires: https://goo.gl/Y6hgd4
• Zander Term Life Insurance: https://www.zanderins.com/term/instantquote.aspx
• Millionaire Kickstarter giveaway: https://goo.gl/LQ18pD
• Financial Peace University: https://goo.gl/Ui6MDT
• SmartVestor Pro: https://goo.gl/W5QDi5
• ELP Tax Pro: https://goo.gl/jsHVJG