Reached BabyStep 4 and unsure how to start investing? Get matched with a Ramsey Trusted Financial Advisor Here: https://www.smartprofinancial.com/find-a-pro/

Pre-order Jade's Book Here: https://store.ramseysolutions.com/money/books/what-no-one-tells-you-about-money-by-jade-warshaw/

Are you carrying financial stress in silence because you don’t want anyone to know the truth?

This episode Ramsey personality, Jade Warshaw, about her new book coming January 2026, What No One Tells You About Money. Jade walks us through the early days of her debt journey, how she kept it a secret, how shame and confusion shaped her decisions, and how financial stress began affecting her marriage, her emotions, and even her personality.

Jade explains the cultural messages that push young adults into debt: “build credit,” “go to college no matter the cost,” “you deserve the car,” and the anger, guilt, and hopelessness that often follow. She shares how a recession and hearing Dave Ramsey on the radio for the first time changed everything, giving her a vision for what it meant to be prepared for life’s storms.

From practical warning signs like avoiding your bank account and relying on 0% balance transfers, to the mindset traps of “I work hard, I deserve this,” Jade breaks down the real reasons people stay stuck, and how to get out. We talk side hustles, growing your income, staying motivated over years, setting daily habits, protecting your marriage, and finding peace in every part of your life once money stops being the constant crisis.

This episode is a reminder that debt is common, but silence doesn’t have to be. You’re not alone and you can fight your way out.

Follow SmartPro Financial: 

💼Rick Godfrey II's LinkedIn ⮕ linkedin.com/in/rick-godfrey-ii/ 

📷Instagram ⮕ instagram.com/smartprofinancial 

👥Facebook ⮕ facebook.com/smartprofinancial 

🏆Find a SmartVestor Pro ⮕ smartprofinancial.com/find-a-pro

Follow Jade Warshaw:

  🔗 Website Page ⮕ ramseysolutions.com/jade-warshaw 

👥 Facebook ⮕ facebook.com/JadeWarshawPersonality
📷 Instagram ⮕ instagram.com/JadeWarshaw

📹 Tiktok ⮕ tiktok.com/@jadewarshaw

💡The Ramsey Show ⮕ youtube.com/@TheRamseyShowEpisodes

📚Jade’s New Book ⮕ store.ramseysolutions.com/money/books/what-no-one-tells-you-about-money-by-jade-warshaw

Discussions in this show are for entertainment and educational purposes only and should not be construed as specific recommendations or investment advice. Always consult with your investment professional before making important investment decisions. Securities offered through Registered Representatives of Cambridge Investment Research, Inc., a broker/dealer, member FINRA/SIPC.

Advisory services through Cambridge Investment Research Advisors, Inc., a Registered Investment Advisor. Cambridge and SmartPro Financial are not affiliated.