Dave answers questions from across America on freezing your credit, car values, and transitioning to a better career fit. Special Guest: Ramsey Personality Ken Coleman chats with Dave about the current job market. Ken talks about why resumes are worthless without a relationship: "If relationships are what matter in a job interview, then they oughta be at the top of the resume." — Ken

What's Keeping You From Setting a Goal to Become a Millionaire?

If you’re willing to do the work—if you’ll follow the stuff we teach, if you’ll commit to our plan—then you CAN become a millionaire. Preorder Everyday Millionaires to find out how. It's up to you.

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
• It’s time to rethink everything you know about a resumé. Here’s how to write a resumé that will get noticed.

Featured Calls:

• Should I keep credit card accounts open as I pay them off?
• How much car should I have based on my income?
• Does a 3-month stretch at a job look bad on a resume?

Also Mentioned in This Episode:

• Financial Peace University will help you take control of your money, plan for your future, and transform your life. 
• Dave's Hiring! We define our success by the number of lives changed - not by the dollars earned. Think you've got what it takes? Check out these opportunities at Ramsey Solutions.

Listen and Watch

Anytime, Anywhere.

The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!

Using Google Play? Find Links Below: 

• Everyday Millionaires: https://goo.gl/Y6hgd4
• Financial Peace University: https://goo.gl/Ui6MDT
• Dave's Hiring: https://goo.gl/19kxP3
• The Dave Ramsey Show app: https://www.daveramsey.com/show/app 
• The Ken Coleman Show: https://goo.gl/7ook2Q
• One Question: https://goo.gl/JnVCeP
• FREE Resume Template: https://www.kencolemanshow.com/

Dave answers questions from across America on what to do with your inheritance, budgeting with an irregular income, and dealing with business debt. Debt-Free Scream: A couple from North Carolina visits the show to share their debt-free story. They paid off $207,000 in less than 3 years:"It doesn't matter how far down you start, as long as you are moving upward and getting faster as you go up." 

You Can Do This. It's Up to You.

Preorder our new book Everyday Millionaires, based on the largest study EVER conducted on 10,000 U.S. net-worth millionaires to learn how you CAN become a millionaire.

Featured Calls:

• What should I do with the $50,000 my dad left me when he died?
• What's the best way to budget when I don't have a regular income?
• How can I get my business out of debt?

Also Mentioned in This Episode:

• You CAN win with money. We'll show you how at a Smart Money event.
• Find a qualified SmartVestor investing professional near you.
• Financial Peace University will help you take control of your money, plan for your future, and transform your life.
• Preorder our new book Everyday Millionaires, based on the largest study EVER conducted on 10,000 U.S. net-worth millionaires!
• Learn the simple seven-step plan to get out of debt. Read The Total Money Makeover.
• Retire Inspired can teach you how to make smart decisions now to help you live your retirement dreams.

Listen and Watch

Anytime, Anywhere.

The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!

Using Google Play? Find Links Below: 

• SmartVestor Pro: https://goo.gl/W5QDi5
• Smart Money: https://goo.gl/gbef8X
• Financial Peace University: https://goo.gl/Ui6MDT
• Everyday Millionaires: https://goo.gl/Y6hgd4
• The Total Money Makeover: https://goo.gl/jNEJM9
• Retire Inspired: https://goo.gl/LL1RMU
• The Dave Ramsey Show app: https://www.daveramsey.com/show/app 

Dave answers questions from across America on funding a foundation, buying a house with cash, and Social Security. Debt-Free Scream: A family from Missouri visits the show to share how they paid off their house in just 13 months: "We did a major downsize . . . we were on a minimalist journey, and everything we sold we put towards the house."

Transform Your Business and Your Life.

Whether you’re just getting started or you’ve been running a business for years, Business Boutique will give you the tools, training, and support you need to make money doing what you love.

Featured Calls:

• What's the best way to start a foundation?
• Should we buy a house if we might move in 2–3 years?
• Is it better for me to wait to take my Social Security?

Also Mentioned in This Episode:

• Learn that building wealth has almost NOTHING to do with your income or your background! Join the millionaire movement with Everyday Millionaires.
• Retire Inspired can teach you how to make smart decisions now to help you live your retirement dreams.

Listen and Watch

Anytime, Anywhere.

The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!

Using Google Play? Find Links Below: 

• Everyday Millionaires: https://goo.gl/Y6hgd4
• Retire Inspired: https://goo.gl/LL1RMU
• The Dave Ramsey Show app: https://www.daveramsey.com/show/app 

Dave answers questions from across America on how to make a plan for your money, when to sell your car, and dealing with nosey moms. Special Guest: Ramsey Personality Christy Wright joins Dave in studio to chat about how to reach your goals and grow your business to the next level. Debt-Free Scream: A couple from Indiana visits the show to share what motivated them to pay off $91,000 in just 18 months: "We just did not make enough money. We were struggling."

Transform Your Business and Your Life.

Whether you’re just getting started or you’ve been running a business for years, Business Boutique will give you the tools, training, and support you need to make money doing what you love.

Featured Calls:

• How do we put together a 5 and 10 year plan for our cash?
• Should we sell our cars?
• My mom doesn't like how I'm paying off my debt.

Also Mentioned in This Episode:

• Retire Inspired can teach you how to make smart decisions now to help you live your retirement dreams.

Listen and Watch

Anytime, Anywhere.

The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!

Using Google Play? Find Links Below: 

• Retire Inspired: https://goo.gl/LL1RMU
• The Dave Ramsey Show app: https://www.daveramsey.com/show/app 

Dave answers questions from across America on bitcoin, paying your tax bill, and paying cash for grad school. Debt-Free Scream: A couple from Indiana visits the show to share how they paid off $128,000 using EveryDollar: "You can't sacrifice what you want most for what you want RIGHT NOW." If you're freaked out by debt, don't burn your house down! This episode can help you win with money.

You CAN Win With Money:

• Smart Money will give you the momentum you need to kick-start your financial goals
• At Smart Conference, you will learn powerful, proven methods to help you make a real impact in the key areas in your life. 

Featured Calls:

• Is bitcoin a scam?
• I'm confused because I don't know who to talk to about my finances after my husband's death.
• What's the best way to budget extra cash after relocating to Germany?

Also Mentioned in This Episode:

• Don’t miss credits and deductions that could help you save more money! Find an ELP Tax Expert. 
• Find a qualified SmartVestor investing professional near you.
• Budgeting just got easy with EveryDollar.
• Retire Inspired can teach you how to make smart decisions now to help you live your retirement dreams.
• Protect your family with Zander Term Life Insurance.

Listen and Watch

Anytime, Anywhere.

The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!

Using Google Play? Find Links Below: 

• Retire Inspired: https://goo.gl/LL1RMU
• SmartVestor Pro: https://goo.gl/W5QDi5
• EveryDollar: https://goo.gl/j2acMb
• ELP Tax Pro: https://goo.gl/jsHVJG
• Smart Conference: https://goo.gl/FaeVAg
• Smart Money: https://goo.gl/gbef8X
• The Dave Ramsey Show app: https://www.daveramsey.com/show/app 

Dave answers questions from across America on refinancing your mortgage, term life insurance, and investing for retirement. Debt-Free Scream: A couple from Indiana visits the show to share how they paid off $75,000: "I worked two full-time jobs and worked overtime at both jobs." If you're tired of never having enough money to live the life you want, this episode can inspire you to make a plan to take control of your life and your money. 

You Can Do This. It's Up to You.

Preorder our new book Everyday Millionaires, based on the largest study EVER conducted on 10,000 U.S. net-worth millionaires to learn how you CAN become a millionaire.

Featured Calls:

• My aunt's spending is out-of-control. How can I help her handle money better?
• Should I refinance my home to help me get out of debt faster?
• Are child riders a good idea?

Also Mentioned in This Episode:

• Preorder our new book Everyday Millionaires, based on the largest study EVER conducted on 10,000 U.S. net-worth millionaires!
• Choose a mortgage company that makes you a priority, helps you save money and build wealth. Choose Churchill Mortgage.
• Learn the simple seven-step plan to get out of debt. Read The Total Money Makeover.
• Retire Inspired can teach you how to make smart decisions now to help you live your retirement dreams.
• Protect your family with Zander Term Life Insurance.

Listen and Watch

Anytime, Anywhere.

The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!

Using Google Play? Find Links Below: 

• Everyday Millionaires: https://goo.gl/Y6hgd4
• Churchill Mortgage: https://www.churchillmortgage.com/
• The Total Money Makeover: https://goo.gl/jNEJM9
• Retire Inspired: https://goo.gl/LL1RMU
• Zander Insurance: https://goo.gl/4UuvVL
• The Dave Ramsey Show app: https://www.daveramsey.com/show/app 

Dave answers questions across America on reverse mortgages. Special Guest: Best-selling author Pat Lencioni calls the show to talk to Dave about creating the right culture in your organization. "The world wants to hear someone who gives them real advice and even err on the side of truth to help them." Two Debt-Free Screams: A couple from Missouri visits the show to share how they paid off $62,000. Later, Dave chats with a couple in Maryland who paid off over $99,000 in just 14 years: "It was pretty much just all hustle and grind . . . getting up at 6 in the morning and getting home at 9 at night, and a lot of rice and beans." 

Never Worry About Money Again:

• Financial Peace University will help you take control of your money, plan for your future, and transform your life.

Featured Calls:

• Should I get a reverse mortgage?
• Is it okay to downsize our house?

Also Mentioned in This Episode:

• Find Pat Lencioni at The Table Group.
• Never worry about money again by participating in a Financial Peace University group near you!
• Retire Inspired will teach you how to make smart decisions now to help you live your retirement dreams.

Listen and Watch

Anytime, Anywhere.

The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!

Using Google Play? Find Links Below: 

• Financial Peace University: https://goo.gl/Ui6MDT
• Retire Inspired: https://goo.gl/LL1RMU
• Pat Lencioni: https://www.tablegroup.com/pat/
• The Dave Ramsey Show app: https://www.daveramsey.com/show/app

Dave opens the show remembering how it has been 30 years since he declared bankruptcy: "Do you ever think where you'd be if you didn't get knocked down?" Debt-Free Scream: A couple from West Virginia visits the show to share how they paid off a $36,000 tractor in just seven months after attending a life-changing Financial Peace University group: "You really have to make sacrifices and work together." 

Work Together on Budgeting:

• Create your first budget in just 10 minutes with EveryDollar. 

Also Mentioned in This Episode:

• Financial Peace University will help you take control of your money, plan for your future, and transform your life.
• You CAN win with money. Discover how at a Smart Money event near you.
• Retire Inspired will teach you how to make smart decisions now to help you live your retirement dreams later.
• Preorder our new book, Everyday Millionaires, based on the largest study EVER conducted on 10,000 U.S. net-worth millionaires!

Listen and Watch

Anytime, Anywhere.

The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!

Using Google Play? Find Links Below: 

• Financial Peace University: https://goo.gl/Ui6MDT
• EveryDollar: https://goo.gl/j2acMb
• Retire Inspired: https://goo.gl/LL1RMU
• Smart Money Tour: https://goo.gl/gbef8X
• Everyday Millionaires: https://goo.gl/Y6hgd4
• The Dave Ramsey Show app: https://www.daveramsey.com/show/app

Dave answers questions across America on car leases, debts in collections, and owning stock. Two Debt-Free Screams: A couple from Missouri calls the show to share how it feels to they pay off $43,000 in just 9 months: "There's no longer any fear."  Later, Dave chats with a couple in Washington, D.C., who paid off $194,000 in just two years!

Never Worry About Money Again:

• Financial Peace University will help you take control of your money, plan for your future, and transform your life.

Featured Calls:

• Does it make sense to keep our cars until the lease is up?
• How can I settle a debt that is 10 years old?
• Should I sell my stock?

Also Mentioned in This Episode:

• Learn the simple seven-step plan to get out of debt. Read The Total Money Makeover.
• Preorder our new book Everyday Millionaires, based on the largest study EVER conducted on 10,000 U.S. net-worth millionaires!
• Never worry about money again by participating in a Financial Peace University group near you!
• Retire Inspired will teach you how to make smart decisions now to help you live your retirement dreams.

Listen and Watch 

Anytime, Anywhere.

The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!

Using Google Play? Find Links Below: 

• Everyday Millionaires: https://goo.gl/Y6hgd4
• Financial Peace University: https://goo.gl/Ui6MDT
• Retire Inspired: https://goo.gl/LL1RMU
• The Total Money Makeover: https://goo.gl/jNEJM9
• The Dave Ramsey Show app: https://www.daveramsey.com/show/app

Dave starts the show giving practical advice to an HVAC installer who is managing a small business that's sinking: "All money's not good money." — Dave 

Special Guest: TV personality Mike Rowe calls the show to chat with Dave about the art of storytelling. "It's tough to beat 'Once Upon A Time' and a campfire." 

Debt-Free Scream: A couple from Georgia calls the show to share how they paid off $91,000 in just a year: "He called me at work and told me to pick him up because he just sold my car. That's when I knew he was serious!"  

You CAN Become a Millionaire:

• Preorder our new book Everyday Millionaires, based on the largest study EVER conducted on 10,000 U.S. net-worth millionaires!

Featured Calls:

• My profit margin is sinking me. What am I doing wrong?
• How can I make money working from home?
• When should we pay off our HELOC?

Also Mentioned in This Episode:

• Learn the simple seven-step plan to get out of debt. Read The Total Money Makeover.
• Never worry about money again by participating in a Financial Peace University group near you!
• Business Boutique will help you get your business idea off the ground or take your existing business to the next level.
• See why so many of Dave's fans trust Churchill Mortgage with their home lending needs.

Listen and Watch

Anytime, Anywhere.

The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!

Using Google Play? Find Links Below: 

• EntreLeadership: https://goo.gl/pJ1kyc
• All About My Mother: http://mikerowe.com/momsbook/
• The Way I Heard It podcast: http://mikerowe.com/podcast/
• Churchill Mortgage: https://www.churchillmortgage.com/
• Everyday Millionaires: https://goo.gl/Y6hgd4
• Financial Peace University: https://goo.gl/Ui6MDT
• The Total Money Makeover: https://goo.gl/jNEJM9
• Business Boutique: https://goo.gl/mRV9TB
• The Dave Ramsey Show app: https://www.daveramsey.com/show/app