"The antidote to fear is action." — Christy Wright 

Ramsey Personalities Ken Coleman and Christy Wright answer questions about your career and the best way to start and grow a small business.  

Caller Questions:

• Can I make money as a blogger?
• Is it inappropriate to ask a company for their P&L statement during an interview?
• How can I get unstuck in my career?
• What's the quickest way for me to learn how to do the accounting for my business?
• Should my business buy a sole proprietorship or a partnership with my husband?
• Am I the only one afraid to share my business with friends and family?
• What's the best way to drive traffic to my website?
• How do I get my husband to support my business dreams?
• How much money should I invest in my business?

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 Christy Wright

• See Christy in person at the Business Boutique 1-Day Event.
• Listen to Christy Wright's Business Boutique Podcast.
• Read Business Boutique, A Woman's Guide to Making Money Doing What She Loves

Also Mentioned on the Show:

• Financial Peace University will help you take control of your money, plan for your future, and transform your life.
• Business Idea Bootcamp is the 4-step course you need to go from dreaming to doing.
• Dave's Hiring!
• Download a FREE resume template.
• Connect with Tax Pros you can trust.
• 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:

• Financial Peace University: https://goo.gl/Ui6MDT
• Business Idea Bootcamp: https://goo.gl/8s2Fdb
• Dave's Hiring: https://goo.gl/19kxP3
• FREE Resume Template: https://www.kencolemanshow.com/
• ELP Tax Pros: https://goo.gl/jsHVJG
• Money & Marriage Event: https://goo.gl/zL8eyS
• Become a FPU Coordinator: https://goo.gl/zhrmcD
• The Ken Coleman Show: https://goo.gl/7ook2Q
• One Question: https://goo.gl/JnVCeP
• Business Boutique Events: https://goo.gl/AMXNfq
• Business Boutique Podcast: https://goo.gl/j53qMj
• The Business Boutique book: https://goo.gl/mRV9TB

"You're out of control, you don't have a system, you're not living on a budget, and you buy crap at Target on your credit card." — Dave

Dave takes calls from across America to answer questions on your life and money. A couple from Kentucky visits Dave in the studio to do a Debt-Free Scream after paying off $72,000!

Budgeting just got easy with EveryDollar! 

Caller Questions:

• How can I stay motivated to keep saving for retirement?
• Can I spend more on housing because I live in an expensive area?
• What should I do if I can't stop using credit cards?
• Should I retire at age 39?
• Is my low credit score preventing me from getting hired?
• Should I pay off my mortgage or student loan first?
• Is it okay to buy a house right before my husband goes to school?

Also Mentioned on the Show:

• Figure out your Retirement IQ!
• The Total Money Makeover will teach you how to pay off all your debt regardless of income or age!
• 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:

• Retirement IQ: https://www.chrishogan360.com/
• EveryDollar: https://goo.gl/j2acMb
• The Total Money Makeover: https://goo.gl/jNEJM9
• Retire Inspired: https://goo.gl/LL1RMU

"There's some kind of a correlation between getting your financial act together and just getting your act together—growing up." — Dave

Dave takes calls and gives practical advice on your life and your money. Topics range from college savings to taxes and paying student loans to running a small business.

Caller Questions:

• Should I keep the rental to help pay for college?
• Is it better to pay off our home mortgage or rental first?
• Do I need emergency savings in retirement?
• Should I use my HSA to save for a baby?
• How do I pay the IRS back?
• Will keeping my house as a rental make me money?
• What's the best way to pay off $180,000 of student loan debt?
• Can you give me advice on marketing a new delivery service?
• How can I balance business and family?

Also Mentioned on the Show:

• Smart Conference—because one day can change everything.
• Learn to make money doing what you love with Business Boutique.

Thanks for listening!

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

• Smart Conference: https://goo.gl/FaeVAg
• Business Boutique: https://goo.gl/mRV9TB

"This is not really a math problem. This is a relational, a behavioral, an attitude, a spiritual, and an emotional problem." — Dave

Dave answers America's questions about life and money, and interviews a young family from West Virginia who shares their debt-free story: "Doing the budget was really helpful in that we knew where our money was going and how we were spending it."

Caller Questions:

• Should I quit my job to become a dog groomer?
• Where should I put my investments if my company doesn't offer aggressive growth option?
• How do I get out of a car lease?
• What if I'm not making enough money in real estate?
• Is Landlord Insurance a good idea?
• How do I balance having fun with my life goals?
• Should we refinance our mortgage? 

Also Mentioned on the Show:

• Stop being sloppy with money. Use EveryDollar! 
• Clean up your finances with Financial Peace University.
• Read EntreLeadership for step-by-step guidance to take your business where you want it to go.
• Make smart decisions now to help you live your retirement dreams. Read Retire Inspired: It's Not An Age; It's a Financial Number.

Thanks for listening!

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

• Financial Peace University: https://goo.gl/Ui6MDT
• EntreLeadership: https://goo.gl/pJ1kyc
• EveryDollar: https://goo.gl/j2acMb
• Retire Inspired: https://goo.gl/LL1RMU

"America, it's never about the lack of our ability . . . it's always about the lack of our determination." — Anthony ONeal

Ken Coleman and Anthony ONeal reminisce about the ramen noodle college days and answer questions on life and money.  

Caller Questions:

• Can I really pay off $37,000 of debt on my own?
• What do I do with the extra money I received for college scholarships?
• What's the fastest way for me to get out of debt?
• How can I pay cash for college if my parents didn't save enough money?
• What's the right amount to spend on housing?
• Should I stop investing to save for a second home?
• How can I switch careers at 58 years old?
• What's the best way for me to start saving for retirement?

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 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.

Also Mentioned on the Show:

• Become a FPU coordinator to help people win with money!
• Get on a proven plan to beat debt with The Total Money Makeover.

Thanks for listening!

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

• Become a FPU Coordinator: https://goo.gl/zhrmcD
• The Total Money Makeover: https://goo.gl/jNEJM9
• The Ken Coleman Show: https://goo.gl/7ook2Q
• One Question: https://goo.gl/JnVCeP
• The Graduate Survival Guide: https://goo.gl/PiMYjj
• Teen Entrepreneur Toolbox: https://goo.gl/8gZf3V
• Anthony ONeal on YouTube: https://www.youtube.com/anthonyoneal

"I don't buy any single stocks. But the recommendation I use is to never have more than 10% of your nest egg tied up in single stocks if you're going to." — Dave

Dave takes calls from across America to answer questions on your life and your money. Topics include budgeting for business, real estate, income etiquette, and investing. Dave gives practical suggestions to a listener in North Carolina who is fresh out of college and doesn't want to get a credit card, but her employer is requiring her to pay for travel expenses. Dave closes the episode by interviewing a lawyer who paid cash for law school and is making bank because she doesn't have any student loans chasing her!

Caller Questions:

• What's the best way to set up a budget for variable business expenses?
• How should we combine finances after marriage?
• Should I renovate my rental before I sell it?
• Is it okay to move out of my parents' house if it slows down my progress on paying off debt?
• Is it a good idea to buy company stock?
• Can we buy an investment property before we buy our personal house?

Also Mentioned on the Show:

• Budgeting just got easy with EveryDollar! 
• Our EntreLeadership Team helps business owners become better leaders!
• Become a FPU coordinator to help people win with money!
• Teach teens to run a small business with The Teen Entrepreneur Toolbox, The Small-Business Guide for Teens.

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
• EntreLeadership Team: https://www.entreleadership.com/
• The Teen Entrepreneur Toolbox: https://goo.gl/8gZf3V

The Minimalists join Dave in studio! 

"Minimalism was a way for me to figure out, what are the things that are truly going to add value to my life . . . then to get rid of those things that are just in the way." — Joshua

Joshua Fields Millburn & Ryan Nicodemus share their personal debt-free story and how living with less completely changed their perspective on life and money. Joshua and Ryan respond to a caller who asks how to influence her kids to live with less.

"We're redefining what's important. The gathering of stuff is not what's important. . .  It's a mindset that says STUFF is not where I'm going to draw my happiness." — Dave

The second half of this episode opens with a Texas-sized Debt-Free Scream. A family visits Dave in studio to share how they paid off nearly $400,000 after reading The Total Money Makeover.

Caller Questions:

• How can I convince people to take FPU?
• What should I do with my inheritance?
• Should I borrow money to get my graduate degree?

Take Control of Your Money With Financial Peace University.

Also Mentioned on the Show:

• The Minimalists will help you live meaningful lives with less.
• Control your spending with the Envelope System.
• Read Retire Inspired.
• Never worry about money again with Financial Peace University.
• Real financial wellness is about behavior change. SmartDollar makes change happen.

Thanks for listening!

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

• The Minimalists: https://www.theminimalists.com/
• The Total Money Makeover: https://goo.gl/jNEJM9
• Envelope Systems: https://goo.gl/9DiojA
• The Rachel Cruze Show: https://www.rachelcruze.com/show
• Financial Peace University: https://goo.gl/Ui6MDT
• Retire Inspired: https://goo.gl/LL1RMU
• SmartDollar: https://goo.gl/zUPy4B

"Money makes people more of what they already are."  — Dave

Dave answers your questions about life and money. Also, in celebration of Financial Peace University Coordinators Week, Dave interview couple from California that has led 25 FPU groups and paid off nearly $1 million!

A family from Colorado visits Dave in the studio to scream, "WE'RE DEBT-FREE!" after paying off over $500,000 in less than 3 years!

Help people win with money! Become a FPU Coordinator.

Caller Questions:

• Will giving our grown sons some of our inheritance spoil them?
• Is it okay to buy property or should I invest?
• When do I pay off my HELOC?
• How do I include reimbursable company expenses in my budget?
• Do you think the economy is about to crash?

Also Mentioned on the Show:

• Financial Peace University teaches you how to handle money so you can leave a legacy for your family.
• Read The Legacy Journey to understand what the Bible says about wealth.
• EveryDollar makes budgeting easy.
• Dave's hiring! Check out what positions are available.
• Help people win with money! Become a FPU Coordinator.
• Read Retire Inspired.

Thanks for listening!

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

• Financial Peace University: https://goo.gl/Ui6MDT
• Legacy Journey: https://goo.gl/z5xhVB
• EveryDollar Budget: https://goo.gl/j2acMb
• Retire Inspired: https://goo.gl/LL1RMU

Dave takes calls and answers questions from across America on everything from houses, cars and college savings plans. A couple from Kentucky visits Dave in studio to share their debt-free story after paying off over $260,000! The best part is, now they're giving back by teaching Financial Peace University as coordinators! 

Help people win with money. Become a FPU Coordinator!

"If you do not resist using debt in a crisis scenario, it will bankrupt you." — Dave

Caller Questions:

• Is owning a home worth it?
• When should we replace our car?
• How much money can go into a 529 fund to save for college?
• Is it a good idea to use retirement funds to buy a car?
• Are solar panels a good investment to increase the value of my home?
• How do I pay legal fees without loans?
• When is the best time to buy a house? 

Also Mentioned on the Show:

• Help people win with money. Become a FPU Coordinator!
• Never worry about money again with Financial Peace University.
• 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:

• Financial Peace University: https://goo.gl/Ui6MDT
• Become a FPU Coordinator: https://goo.gl/zhrmcD
• SmartVestor Pro: https://goo.gl/W5QDi5

Dave gives practical advice to callers about everything and anything relating to life and money, and chats with a young family from Washington who calls the show to scream, "We're debt-free!" after paying off $30,000 in just 5 months! A local couple drops by the studio to talk with Dave about their experience helping people win with money:

"One of the things I really love about the opportunity to teach a Financial Peace University course is to watch the people on week one when the first come in, and a lot of them are stressed out. A lot of them have a lot of worries and a lot of things on their minds. And by the ninth week, the lightbulb just comes on."

It's Easy to Include Pets in the Budget With EveryDollar! 

"While we love them like a member of the family, we're going to remember that they're animals." — Dave

Caller Questions:

• Is disability income my client's only option?
• What's the best way to pay for my house repairs?
• Do pets need an emergency fund?
• Should I stop investing to pay down debt at my age?
• Will selling my truck help me pay down debt?
• Are variable interest rates better than fixed-interest rates?
• Is it better to default on our other debts or allow our house to go into foreclosure?

Also Mentioned on the Show:

• Help people win with money. Become a FPU Coordinator!
• Never worry about money again with Financial Peace University.

Thanks for listening!

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

• Financial Peace University: https://goo.gl/Ui6MDT
• Become a FPU Coordinator: https://goo.gl/zhrmcD
• EveryDollar: https://goo.gl/j2acMb