Intro

📈 Are you on track with the Baby Steps? Get a Free Personalized Plan

📱Watch the full episode for free in the Ramsey Network app.

Dave Ramsey & George Kamel answer your questions and discuss:

• "My parents have no retirement savings and are expecting us to help,"
• "How can I diversify my investment portfolio?"
• Should I freeze my credit?
• "My husband thinks we are too broke to have a baby?:"
• "Should I keep my Universal Life insurance policy?"
• Jimmy Darts on how fun it is to give money away (follow him at @jimmydarts)

Support Our Sponsors:

• 🌱 Get 10% off your first month of BetterHelp
• 🏥 Learn more about Christian Healthcare Ministries
• 🏡 Get started today with Churchill Mortgage
• 🔒 Get 20% off when you join DeleteMe
• 🏦 Go to FAIRWINDS Credit Union for an exclusive account bundle!
• 🥗 Save 15% on your first Field of Greens order with code RAMSEY
• 💤 Visit Helix Sleep for special offers!
• 💻 Visit NetSuite today to learn more
• 🗂️ Use promo code RAMSEY for18% off at The Nokbox
• 🏛 Get started with YRefy or call 844-2-RAMSEY
• 🔐 Visit Zander Insurance for your free instant quote today!

Next Steps

📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here!

🎄 You could win $5,000 in the Ramsey Christmas Cash Giveaway! Enter today.

🩺 Find the Right Health Coverage During Open Enrollment

💵 Start your free budget today. Download the EveryDollar app!

🎁 50 days of Christmas deals are here! Get 30% off meaningful gifts.

🎟️ Get Tickets to the Money & Relationships Tour

Listen to more from Ramsey Network

🎙️ The Ramsey Show  

🧠 The Dr. John Delony Show

🍸 Smart Money Happy Hour

💡 The Rachel Cruze Show

💸 The Ramsey Show Highlights

💰 George Kamel

💼 The Ken Coleman Show

📈 EntreLeadership

Learn more about your ad choices. https://www.megaphone.fm/adchoices

Ramsey Solutions Privacy Policy

Learn more about your ad choices. Visit megaphone.fm/adchoices