Buying Luxury While Financially Responsible

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Dave Ramsey and Rachel Cruze answer your questions and discuss:

• "As a single mom, what is the best way to get rid of a day care debt that is past due?"
• "My boyfriend and I both have student loan debt, how do we start investing once we are debt-free?"
• "We are in Baby Step 3 and wanting to set up a special needs trust for our child. Should we pause Baby Step 3?"
• "I have an inconsistent income and 4 kids. While paying off debt, how much should we keep in savings?"
• "As a truck driver, should I live out of my truck versus buying a home to save money, or is that being too frugal?"
• "How do you pay off your credit cards when the minimums are half my take-home pay?"

Next Steps:

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📚 Set and actually reach your goals with the NEW 2026 Ramsey Goal Planner! Hurry—they sell out every year!

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