Dave gives practical advice on how to make a plan for your money that your future self with thank you for! Dave shares a personal story about how his grandpa handled money, and what he said when a young Dave rolled up his driveway in a brand-new Jaguar.

Smart Money will give you the momentum you need to kick-start your financial goals.

"Don't put your money in stuff that goes down in value. Put it in stuff that goes up in value." — Dave

Caller Questions:

• Should I be investing while saving for med school?
• Is it better to pay extra on the mortgage or put it in savings?
• How can I get my wife to agree that we need to get out of debt?
• Should I take out $300K in medical school loans or go into the military and make less money?
• Is it okay to sell a home we've only owned for a year?
• Why is it important to keep car values under half your annual income?
• How can I convince my wife it's okay for her to stay home with our daughter?
• As a contractor, should I be saving money or paying down debt?

Also Mentioned on the Show:

• Never worry about money again with Financial Peace University.
• Choose your best business idea with Business Idea Bootcamp, the 4-step course you need to go from dreaming to doing.
• Kick-start your financial goals at Smart Money.

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
• Smart Money Event: https://goo.gl/gbef8X

Need some inspiration to finally get control of your money? This episode has two Debt-Free Screams! Dave chats with a couple in Hawaii who share how they paid off $91,000 in just 11 months after reading The Total Money Makeover: "You have to know that your needs tomorrow are greater than your wants today."

Our second debt-free screamer traveled all the way from Chicago to share her story: "With a swipe of a card, it's so easy to build up that debt. . . . I didn't think I could live without a credit card. But you can."

Dave also answers questions from listeners across America on life and money:

• Are we obligated to pay my in-laws back for student loans?
• Should my stepmom buy a smaller house or start renting?
• Is it smart for college students to invest in mutual funds?
• How can I get started paying off debt?
• Will moving prevent us from getting to Baby Step 2?

"You have to get your head around the idea that having no debt is the shortest path to wealth." — Dave

Follow the Baby Steps to pay off debt fast with The Total Money Makeover.

Also Mentioned on the Show:

• Choose your best business idea with Business Idea Bootcamp, the 4-step course you need to go from dreaming to doing.
• Never worry about money again with Financial Peace University.
• Learn how to 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:

• Business Idea Bootcamp: https://goo.gl/8s2Fdb
• Financial Peace University: https://goo.gl/Ui6MDT
• The Total Money Makeover: https://goo.gl/jNEJM9
• EveryDollar: https://goo.gl/j2acMb
• Retire Inspired: https://goo.gl/LL1RMU

It's officially Financial Peace University Coordinator Week!

Dave starts off this episode by chatting with a coordinator in Baltimore who had led 10 FPU groups over the years. FPU coordinators from Minnesota visit the studio to share their debt-free story: "It's been awesome to encourage people that this is a journey that can be done." You can help people win with money, too. Become a FPU Coordinator.

During the second half of this episode, Business Boutique Academy creator Christy Wright joins Dave in studio to answer questions about starting or growing a small business. Christy takes caller questions:

• How can I stand out as a woman in business in a market saturated with men?
• What's the best way for me to help my wife as she starts her own business?

"It doesn't make you a bad mom. It makes you a better mom when you step into your God-given gifts to do something you love to do." — Christy

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 1-Day Event.

Also Mentioned on the Show:

• Text LEADNOW to 33789. 
• Never worry about money again with Financial Peace University.
• Learn how to make smart decisions now to help you live your retirement dreams. Read Retire Inspired, It's Not An Age. It's a Financial Number.
• Find Affordable Long-Term Care Insurance. 
• Choose your best business idea with Business Idea Bootcamp, the 4-step course you need to go from dreaming to doing.

Thanks for listening!

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

• Christy Wright's Business Boutique Podcast: https://goo.gl/j53qMj
• Business Boutique Book: https://goo.gl/mRV9TB
• Business Boutique Event: https://goo.gl/AMXNfq
• Smart Money Conference: https://goo.gl/gbef8X
• Money and Marriage Event: https://goo.gl/zL8eyS
• Financial Peace University: https://goo.gl/Ui6MDT
• Become a FPU Coordinator: https://goo.gl/zhrmcD
• Retire Inspired: https://goo.gl/LL1RMU
• Insurance ELP: https://goo.gl/t8Pmr6
• Business Idea Bootcamp: https://goo.gl/8s2Fdb

Dave takes calls from listeners across America to answer questions on life and money: 

• Should I cash out my stocks to pay off debt?
• Is it better to invest in property or mutual funds.

Dave celebrates Financial Peace University coordinators and interviews a coordinator in Louisiana who has impacted over 500 people with this life-changing program. Dave explains why he doesn't usually tell people to sell their home to pay down debt, and gives 3 exceptions to that rule of thumb. 

The last half of this episode kicks off with a a debt-free scream! Listen as a couple from Kansas City shares how they paid off $80,000. Dave wraps up the show by answering a few more caller questions:

• How can I inspire my brother to get out of debt?
• What's the best way to invest my money?
• Is it better to replace the roof or pay off a credit card?

Also Mentioned on the Show:

• Help people win with money! Become a FPU Coordinator.
• Need a night to reconnect and realign the goals of your relationship and your finances? Plan to attend one of our Money and Marriage Events!

Thanks for listening!

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

• Become a FPU Coordinator: https://goo.gl/zhrmcD
• Money and Marriage Event: https://goo.gl/zL8eyS
• Financial Peace University: https://goo.gl/Ui6MDT
• Retire Inspired: https://goo.gl/LL1RMU
• SmartVestor Pro: https://goo.gl/W5QDi5

•  

Dave starts off this episode by answering financial questions from callers across America:

• Should we sell our house to pay off debt?
• Is it better to use a financial coach or take Financial Peace University?

A family from California visits the studio to do their Debt-Free Scream after reading The Total Money Makeover. "We had no hope. There was no hope of doing anything fun because there was no money left at the end of the month. It was just depressing." 

During the second half of this episode, Wall Street Journal National Best-Selling Author and Youth Expert Anthony ONeal joins drops in to talk about what students need for their dorm rooms as they head off to their first year of college. Anthony takes caller questions:

• How can I go to grad school without taking out more loans?
• What's the best way to build credit so I can get a loan?

"I ended up $35,000 in debt, homeless in the back of my car trying to live the American Dream, trying to impress and have what everyone else has." — Anthony

Teach Teens to Avoid Debt with  The Graduate Survival Guide: Five Mistakes You Can't Afford to Make In College

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.

Also Mentioned on the Show:

• Never worry about money again with Financial Peace University.
• Help people win with money! Become a FPU Coordinator.
• One-On-One Financial Coaching: https://goo.gl/uokcMm
• Retire Inspired

Thanks for listening!

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

• Anthony ONeal on YouTube: https://www.youtube.com/anthonyoneal
• The Graduate Survival Guide: https://goo.gl/PiMYjj
• The Teen Entrepreneur Toolbox: https://goo.gl/8gZf3V
• Financial Peace University: https://goo.gl/Ui6MDT
• Dave's Hiring: https://goo.gl/19kxP3
• Become a FPU Coordinator: https://goo.gl/zhrmcD
• Get a Financial Coach: https://goo.gl/uokcMm
• The Total Money Makeover: https://goo.gl/jNEJM9
• Retire Inspired: https://goo.gl/LL1RMU

 "Knowledge will remove some of your fear if the knowledge is accurate." — Dave

For help with your retirement, college savings, or other investments, talk with a SmartVestor Pro.

Dave answers questions from listeners across America:

• Can my student loans be discharged if the school was fraudulent?
• Is there a safer way for me to invest for retirement?
• Do you recommend long-term care insurance?
• Is it better to build a new house or renovate an old one?
• My wife is leaving her job. What do we do with her retirement fund?
• I'm looking for a job. Am I asking for too much salary?
• Should I get my real estate license while in debt? 

Debt-Free Scream!

A couple from Indiana shares how they paid off $900,000 after reading The Total Money Makeover. "For the first 8 years or so of our marriage, we just played the game that the world tells you you should play with your finances." 

Also Mentioned on the Show:

• Dave's Black Friday in July Sale! Get FREE SHIPPING and Black Friday prices on our top 30 products.
• Get expert help and find affordable long-term care insurance.
• Protect Your Family With Zander Term Life Insurance.

Thanks for listening!

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

• SmartVestor Pro: https://goo.gl/W5QDi5
• The Total Money Makeover: https://goo.gl/jNEJM9
• Dave's Black Friday in July Sale: https://goo.gl/EmTtd1
• Long-Term Care Insurance: https://goo.gl/t8Pmr6
• Zander Term Life Insurance: https://www.zanderins.com/term/instantquote.aspx 
• Dave's website: https://www.daveramsey.com/

"Interest can be two things. Interest can be your friend when it's with your investments and it's growing and you're earning it. But it can be an enemy when you're paying it." — Chris Hogan

Listen to America’s leading voice on retirement, Chris Hogan, as he hosts this hour of The Dave Ramsey Show and answers questions about life and money:

• Should I pay off my house or start my own business?
• Can we use my inheritance to make house repairs?
• How can I tell my boyfriend credit cards are bad?
• Is debt consolidation a good thing?
• Should we refinance our mortgage if we're planning to move in a few years?
• Is this a good time for me to go to back to school?
• How do we choose a SmartVestor?
• Can I accept money from my family to buy a car?
• Should we get a 401(k) loan to pay for unexpected bills?

Want to Hear More From Chris Hogan?

• Subscribe to The Chris Hogan Show
• Read Retire Inspired

Also Mentioned on the Show:

• Build a Dream Team to help you win with money!
• Money & Marriage Event: A night to reconnect and realign the goals of your relationship and your finances. Learn More!
• Learn 7 easy-to-follow steps that will lead you out of debt with The Total Money Makeover.
• Find an Investing Professional to be on your team.
• Decide to live smarter. Attend Smart Conference.
• Learn to Budget the right way with EveryDollar.

Thanks for listening!

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

• The Chris Hogan Show: https://goo.gl/Rc7o13
• Retire Inspired: https://goo.gl/LL1RMU
• Dream Team: https://www.chrishogan360.com/dreamteam/
• SmartVestor: https://goo.gl/W5QDi5
• Smart Conference: https://goo.gl/FaeVAg
• The Total Money Makeover: https://goo.gl/jNEJM9
• EveryDollar: https://goo.gl/j2acMb
• Dave's website: https://www.daveramsey.com/

During the first half of this episode, NY Times bestselling author Dr. Henry Cloud joins Dave in studio to talk about finding peace in relationships.

"Stop doing the crazy thing of depending on the crazy person to not be crazy." — Dr. Henry Cloud

Dave spends the second half of this hour taking calls and answering questions from listeners across America:

• What's the best plan to pay off my home mortgage?
• Should business assets be included in personal net worth?
• Is it smart to convert my TSP accounts to Roth?
• Should we use our kids' savings?
• Can I switch to a lower paying job while in debt?
• Is a HELOC a good idea to pay off student loans?

Want to Hear More From Dr. Henry Cloud? 

• Read Boundaries: When to Say Yes How to Say No to Take Control of Your Life
• See Henry Cloud speak at the Smart Conference. One day can change everything.

Also Mentioned on the Show:

• Black Friday in July: Get FREE SHIPPING and Black Friday prices on our top 30 products.
• SmartVestor Pro: Find Qualified Investing Professionals Near You 

"Our plan works because you only date one girl if you want to get married." — Dave

Dave chats with listeners across America about money :

• My husband won't stop contributing to 401(k) to pay off debt.
• Should I use my savings to pay off debt?
• Do I stop going to school to avoid more student loan debt?
• Should I invest in the stock market?
• We make a lot of money and are scared to spend it.

Dave closes this episode with a classic DAVE RANT on Wealth Inequality: "This is the wealth inequality movement. We're going to attack success and successful people." 

Also Mentioned on the Show:

• Get out of debt with The Total Money Makeover, A Proven Plan for Financial Fitness.
• Black Friday in July: Get FREE SHIPPING and Black Friday prices on our top 30 products.
• SmartVestor Pro: Find Qualified Investing Professionals Near You 
• Learn to build a family legacy with The Legacy Journey, A Radical View of Biblical Wealth and Generosity.  

"I don't do control freaks at all. I have a low tolerance for them." — Dave

Learn to Cut the Strings and Set Clear Boundaries:

• Boundaries: https://goo.gl/XXS2Z3

Also Mentioned on the Show:

• Black Friday in July: https://goo.gl/EmTtd1
• Financial Peace University: https://goo.gl/Ui6MDT
• Retire Inspired: https://goo.gl/LL1RMU
• Churchill Mortgage: https://goo.gl/zSoKGj

Thanks for Listening!