"You can do it. You just have to do it." — Dave Ramsey

Dave takes calls and answers your questions about life and money. Featured call: A 22-year-old asks for investing advice so he can get the wheels rolling on a strong financial future. Listen as Dave explains to this future millionaire the best way to invest in mutual funds. A couple from Kansas City visits the show to share how they paid off $300,000 after going through Financial Peace University! 

Caller Questions:

• How can I start investing so I can avoid getting into debt?
• How much money should go into each of our savings funds?
• Where should I put an inheritance my son received?
• Should I invest to get the match while I'm in debt?
• Can we skip paying off debt to save for gaps of income?

Also Mentioned on the Show:

• Get investing help with a SmartVestor Pro.
• Find out how 10,000 net-worth millionaires built extraordinary wealth. Read Everyday Millionaires.
• Learn how to get out of debt! Read The Total Money Makeover!
• Make smart decisions now to help you live your retirement dreams with Retire Inspired.
• Learn how to get out of debt with Financial Peace University.

Thanks for listening!

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

• SmartVestor Pro: https://goo.gl/W5QDi5
• Everyday Millionaires: https://goo.gl/Y6hgd4
• The Total Money Makeover: https://goo.gl/jNEJM9
• Retire Inspired: https://goo.gl/LL1RMU
• Financial Peace University: https://goo.gl/Ui6MDT

"None of this sounds smart. It sounds like triple dumb." — Dave 

Dave takes calls from across America to answer questions on life and money. Featured call: A young lady asks Dave if she should buy and renovate a trailer because she hasn't found a rental in her area. Dave answer her question, then follows up with a classic DAVE RANT: "When you limit yourself to one or two possible options because you haven't scratched and clawed and dug around the problem—you haven't worked the problem hard enough—you're almost always going to make a bad decision." Listen to hear Dave's advice on overcoming a fatalistic mind-set!

Caller Questions:

• Should we sell our land to pay down debt?
• Is it okay to pause retirement investing to save for a down payment?
• Should I buy out my lease for $30,000?
• When should I roll my 401(k) into a Roth IRA?
• Do you think I should get a second mortgage to pay off my credit cards?
• How do I plan for my business's off season?

Also Mentioned on the Show:

• Get out of debt with The Total Money Makeover.
• Budgeting just got easy with EveryDollar!  

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

"In America right now we have more jobs available than we have people unemployed. Hello!? That's a massive demand for talented people, character people." — Ken

Ramsey Personality Ken Coleman starts the show discussing job opportunities in America and takes calls from to answer questions on your life and your career. Featured Call: A sales associate is intimidated by the idea of becoming a sales manager and asks Ken for advice on how to gain the skills needed to do the job. Listen as Ken boosts his confidence and helps him realize that he's more qualified than he thinks!

Caller Questions:

• How do I narrow down what career field to go into?
• What can I do to find a job I'm passionate about?
• How can I get the skills needed to move into a management role?
• Should I go back to school to get my bachelor's degree even if I can get hired without it?
• How to I make more money?

Want to Hear More From Ken Coleman? 

• The Ken Coleman Show: Get practical life advice and discover the role you were born to play.
• Read One Question: Life-Changing Answers From Today's Leading Voices
• Applying for a job? Download a FREE resume template.

Also Mentioned on the Show:

• Financial Peace University is the plan you need to become debt-free.
• Applying for a job? Download a FREE resume template. 
• You CAN win with money, and we'll show you how at the Smart Money Conference.

Thanks for listening!

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

• FREE Resume Template: https://www.kencolemanshow.com/
• Financial Peace University: https://goo.gl/Ui6MDT
• Smart Money Conference: https://goo.gl/gbef8X

"Only if it's going to help them. If you are, however, participating in their lack of discipline—their misbehavior with money—then you are an enabler." — Dave 

Dave takes calls from across America to answer questions on your life and your money. Featured call: A woman in California feels uneasy giving $6,000 to her husband's uncle but doesn't know how to say no. This call leads to a classic DAVE RANT on family members who enable bad financial behavior. A couple from Ohio calls the show to do a DEBT-FREE SCREAM after reading a dusty copy The Total Money Makeover that had been sitting on their bookcase for 3 years!

Caller Questions:

• Are Property Tax Lien Certificates a good investment?
• Should we give money to a family member?
• How can I get out of debt faster?
• How long is too long to pause the debt snowball?
• Will I be able to catch up on retirement?

Also Mentioned on the Show:

• Learn how to say no and stop enabling. Read Boundaries. 
• Get out of debt with The Total Money Makeover.
• Read Retire Inspired and learn how to make smart decisions now to help you live your retirement dreams.
• Budgeting just got easy with EveryDollar!  

Thanks for listening!

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

• Boundaries: https://goo.gl/XXS2Z3
• Retire Inspired: https://goo.gl/LL1RMU 
• EveryDollar: https://goo.gl/j2acMb
• The Total Money Makeover: https://goo.gl/jNEJM9

"This is you saying, 'I want to take this step as a man to straighten my act, earn my marriage back . . .'" — Dave 

Dave takes calls from across America to answer questions on your life and your money. Featured call: A man from California calls Dave for help to get his life back on track after his wife left him because he wasn't taking care of the family financially. A couple from Illinois visits the studio to do a DEBT-FREE SCREAM after paying off over $91,000! Listen—you won't believe what the husband put up with for over a year to make their debt-free story possible! Dave talks about two common characteristics of successful people.

Caller Questions:

• Is it okay to take money out of our mutual funds to pay for a house?
• What percentage of my income should I put in my TSP?
• Should I sell my house and take an $80,000 loss?
• Is selling my house a smart move?
• How can I get my life and marriage back on track?
• Should I sell everything I have to focus on my side business full time?

Also Mentioned on the Show:

• Read Retire Inspired and learn how to make smart decisions now to help you live your retirement dreams.
• Financial Peace University is the plan you need to become debt-free.
• Save BIG on budgeting tools, college must-haves, and more.
• You CAN win with money, and we'll show you how at Smart Money.
• Read EntreLeadership for step-by-step guidance to take your business where you want it to go.

Thanks for listening!

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

• Financial Peace University: https://goo.gl/Ui6MDT
• Retire Inspired: https://goo.gl/LL1RMU 
• Back to Budget Bundle: https://goo.gl/8quqvp 
• Smart Money event: https://goo.gl/gbef8X
• EntreLeadership: https://goo.gl/pJ1kyc

"Broke family members giving you financial advice, that isn't who we listen to. You listen to your heart." — Dave 

Dave takes calls from across America to answer questions on your life and your money. A couple from Indiana calls the show to do a DEBT-FREE SCREAM after paying off $123,000! Listen to their story of determination and perseverance: "My parents lived paycheck to paycheck and I didn't want that for my life and my kids." 

Caller Questions:

• Do we have too much debt to buy a house and have kids?
• Am I ready to buy a house? 
• Should I transfer my debt to a 0% interest card?
• Is it okay to take a pay cut to move closer to family?
• Can I skip Baby Step 3?
• What's the best way to budget for yearly expenses like Christmas?
• When do we pay back my in-laws?

Also Mentioned on the Show:

• Read Retire Inspired and learn how to make smart decisions now to help you live your retirement dreams.
• Financial Peace University is the plan you need to become debt-free.
• Save BIG on budgeting tools, college must-haves and more.

Thanks for listening!

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

• Financial Peace University: https://goo.gl/Ui6MDT
• Retire Inspired: https://goo.gl/LL1RMU 
• Back to Budget Bundle: https://goo.gl/8quqvp 

"Before you give them any money—two things you have to remember—get it in writing and never give them electronic access to your checking account." — Dave 

Dave takes calls from across America to answer questions on your life and your money. Featured Call: A widow calls Dave for help after she made bad financial decisions when her husband was murdered several years ago, and she can't seem to move forward in life or get control of her money. A family from Virginia visits the show to share their debt-free story: "Coordinating our dreams was key. We sat down and talked about what we wanted to do in the future, so we had a direction we wanted to go to—moving the same direction together."

Caller Questions:

• What should I do now? I made poor financial choices after my husband died.
• Should I take money out of my 401(k) to make progress on the Baby Steps?
• How can I avoid bankruptcy with all of my debts in default?
• Should I fix or sell my car?
• How do we plan for a potential move and transition to a new job?
• Can we charge my wife's hearing aids?

Also Mentioned on the Show:

• Find top real estate agents in your area who can help you save money when buying or selling a home.
• Stop worrying about money. Find a coach today.
• Start winning with money by reading The Total Money Makeover.
• Read Retire Inspired and learn how to make smart decisions now to help you live your retirement dreams.
• Financial Peace University is the plan you need to become debt-free.
• Become a FPU coordinator to help people win with money! 
• Budgeting just got easy with EveryDollar! 

Thanks for listening!

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

• EveryDollar: https://goo.gl/j2acMb
• ELP Real Estate: https://goo.gl/Cu4CRr
• Ramsey Financial Coaches: https://goo.gl/kMuYx5
• The Total Money Makeover: https://goo.gl/jNEJM9
• Financial Peace University: https://goo.gl/Ui6MDT
• Become a FPU Coordinator: https://goo.gl/zhrmcD
• Retire Inspired: https://goo.gl/LL1RMU 

"That's the beauty and challenge of humility—you don't recognize the greatness that you have within yourself to impact someone else's life in a positive manner." — John OLeary

Ramsey Personalities Ken Coleman and Rachel Cruze chat about how much money parents spend on kids' birthday parties and answer questions about your life and your money. Ken interviews best-selling author John O'Leary. Listen to his incredible, inspirational story to discover how to live a life of significance.

Caller Questions:

• How do I get started paying off $120,000 debt with a $60,000 income?
• What's the best way to handle our house in foreclosure?
• Should I leave my job because they won't give me a raise?

Want to Hear More From Ken Coleman? 

• The Ken Coleman Show: Get practical life advice and discover the role you were born to play.
• Read One Question: Life-Changing Answers From Today's Leading Voices

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 & 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

How to Find John O'Leary:

• Listen to the Live Inspired podcast.
• Read On Fire, The 7 Choices to Ignite a Radically Inspired Life

Also Mentioned on the Show:

• Get on a plan for your money with EveryDollar!
• Start winning with money by reading The Total Money Makeover.
• Financial Peace University will help you take control of your money, plan for your future, and transform your life.

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
• Financial Peace University: https://goo.gl/Ui6MDT
• The Rachel Cruze Show: https://www.rachelcruze.com/show
• Money & Marriage Event: https://goo.gl/zL8eyS
• Smart Money Smart Kids: https://goo.gl/DqCTQz
• Love Your Life Not Theirs: https://goo.gl/3kA4CT
• The Ken Coleman Show: https://goo.gl/7ook2Q
• One Question: https://goo.gl/JnVCeP
• John O'Leary: http://johnolearyinspires.com/ 

"My dad said 90% of solving a problem is knowing there is a problem." — Dave

Dave takes calls from across America to give practical advice on your questions about life and money. Dave explains that sometimes an "oh crap" moment is exactly what you need to decide to grow up and take control of your money. A couple from New York visits the show to tell their debt-free story: "We're making too much money to not know where the money's going." 

Caller Questions:

• Do you recommend keeping our retirement money in a TSP?
• How do I attack debts in collections?
• Is it foolish to get a loan to remodel my house?
• Should I get my MBA?

Also Mentioned on the Show:

• Budgeting just got easy with EveryDollar! 
• Become a FPU coordinator to help people win with money!
• Reconnect and realign the goals of your relationship and your finances at the Money & Marriage event.

Thanks for listening!

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

• EveryDollar: https://goo.gl/j2acMb
• Become a FPU Coordinator: https://goo.gl/zhrmcD
• Money & Marriage Event: https://goo.gl/zL8eyS

"Technically it is your debt because technically it's in your name." — Dave

Dave takes calls from across America to answer questions on your life and your money. A family from Illinois visits the studio to do a DEBT-FREE SCREAM after changing their family tree by paying off $99,349—including their house—with Financial Peace University. "We liked stuff and we liked vacations, and we thought we worked hard and deserved it."

Caller Questions:

• How can I get over feeling bad about the bittersweet way I got out of debt?
• Should we relocate to get out of a bad house decision?
• Is it okay to cash out our mutual funds to buy a house?
• Should I pay off a credit card my parents used?
• Which debt should I pay off first with money I'm getting?
• What do I do with UTMAs for my kids?
• How do I roll over my old 403(b) to an IRA?
• What's my next step after divorce as a single mom?

Also Mentioned on the Show:

• Budgeting just got easy with EveryDollar! 
• Read Retire Inspired and learn how to make smart decisions now to help you live your retirement dreams.
• Financial Peace University is the plan you need to become debt-free.
• Become a FPU coordinator to help people win with money! 
• For help with your retirement, college savings, or other investments, talk with a SmartVestor Pro.

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
• Become a FPU Coordinator: https://goo.gl/zhrmcD
• Retire Inspired: https://goo.gl/LL1RMU 
• SmartVestor Pro: https://goo.gl/W5QDi5