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!

Listen to Ken Coleman and America's leading voice on retirement— Chris Hogan—host this episode of The Dave Ramsey Show.

"There's fear and pride that become roadblocks to saying, 'I.Need.Help.'" — Ken Coleman

Find Hope and a Plan for Your Future:

• Financial Peace University: https://goo.gl/Ui6MDT

More From Ken Coleman:

• The Ken Coleman Show: https://goo.gl/7ook2Q
• One Question: https://goo.gl/JnVCeP

More From Chris Hogan: 

• The Chris Hogan Show: https://goo.gl/Rc7o13
• Retire Inspired: https://goo.gl/LL1RMU

Also Mentioned on the Show:

• Black Friday in July: https://goo.gl/EmTtd1
• SmartVestor Pro: https://goo.gl/W5QDi5

Thanks for Listening!

Listen to America's leading voice on retirement—Chris Hogan—as he hosts this episode of The Dave Ramsey Show.

"Let's learn to do math. Let's be aware." — Chris Hogan 

Learn How to Ditch Debt and Save Cash for Your Next Car:

• Financial Peace University: https://goo.gl/Ui6MDT

More From Chris Hogan: 

• The Chris Hogan Show: https://goo.gl/Rc7o13
• Retire Inspired: https://goo.gl/LL1RMU
• Get Your R:IQ Assessment: https://www.chrishogan360.com/

Also Mentioned on the Show:

• Black Friday in July: https://goo.gl/EmTtd1
• SmartVestor Pro: https://goo.gl/W5QDi5

Thanks for Listening!

"The reason we have a student loan crisis is not the cost of education. It's choice of education." — Dave  

You CAN Win With Money, and We'll Show You How: 

•  Ramsey Smart Money event: https://goo.gl/gbef8X

Also Mentioned on the Show:

• Black Friday in July: https://goo.gl/EmTtd1
• Retire Inspired: https://goo.gl/LL1RMU
• SmartVestor: https://goo.gl/W5QDi5

Thanks for Listening!

"You can't get out of a hole while you're digging out the bottom." — Dave

Stop Digging a Hole and Start Winning With Money:

• The Total Money Makeover: https://goo.gl/jNEJM9

Also Mentioned on the Show:

• Black Friday in July: https://goo.gl/EmTtd1
• EveryDollar Budget Tool: https://goo.gl/j2acMb
• Financial Peace University: https://goo.gl/Ui6MDT
• Retire Inspired: https://goo.gl/LL1RMU

Thanks for Listening!

"Building a house together can cause a divorce." — Dave 

Whether Building or Buying, Choose the Right Agent:

• ELP Real Estate: https://goo.gl/Cu4CRr

Also Mentioned on the Show:

• Black Friday in July: https://goo.gl/EmTtd1
• Text SURVEY to 33789 to give your opinion about the show!
• Retire Inspired: https://goo.gl/LL1RMU
• SmartVestor: https://goo.gl/W5QDi5

Thanks for Listening!

"There's something that happens when you don't care what other people think." — Dave

Love Your Life Enough to Get Out of Debt:

• Love Your Life, Not Theirs: https://goo.gl/3kA4CT

Also Mentioned on the Show:

• Financial Peace University: https://goo.gl/Ui6MDT
• START: https://goo.gl/Ura6EK
• Black Friday in July: https://goo.gl/EmTtd1
• Retire Inspired: https://goo.gl/LL1RMU

"That's exactly how you do it, man. You just lean in, and whatever comes at you, you fight it off and you scratch and you claw and you make a difference . . ."  — Dave 

Never Fight About Money Again: 

• Financial Peace University: https://goo.gl/Ui6MDT

More From Ken Coleman:

• The Ken Coleman Show: https://goo.gl/7ook2Q
• FREE Resume Template: https://www.kencolemanshow.com/
• One Question: https://goo.gl/JnVCeP

Also Mentioned on the Show:

• Black Friday in July: https://goo.gl/EmTtd1
• Dave's Hiring: https://goo.gl/19kxP3
• SmartVestor Pro: https://goo.gl/W5QDi5
• EveryDollar Budgeting Tool: https://goo.gl/j2acMb
• Retire Inspired: https://goo.gl/LL1RMU