Debt Isn't a Tool, It's a Trap
The Ramsey Show
How 401(k) Returns Work
Jade and John explain 401(k) returns, market variability, and using 10–12% as a long-term planning estimate.
❓ Have a money question? Ask Ramsey is here to help.
Jade Warshaw and Dr. John Delony answer your questions and discuss:
- “Should I stay at my toxic job so we can get out of debt faster?”
- “My dad coerced me to sign for his three cars, now he’s missing payments and I don’t know what to do.”
- “If we buy an investment property, we won’t be able to retire early. Is it still worth it to invest in real estate?”
- “How do we get over the disappointment of not meeting our financial goals?”
- “The HOA fees have doubled since I bought my house, should I sell it?”
Next Steps:
📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET
💻 New to the show and want to learn more? Check out our 7 Baby Steps!
💵 Start your free budget today. Download the EveryDollar app!
❤️🩹 Get trusted insurance coverage that fits your budget
🏡 Get organized and prepared to buy or sell a home
Connect With Our Sponsors:
- Go to Angel Studios to discover entertainment you can feel good about.
- Get 10% off your first month of BetterHelp
- Go to Boost Mobile to switch today!
- If you want your car to keep going and going, trust Christian Brothers Automotive. Find a local shop and get an exclusive Ramsey discount of 10% (up to $250) off
- New members can receive a 50% credit toward their first month of membership. Go to Christian Healthcare Ministries and use promo code RAMSEY.
- Get started today with Churchill Mortgage. Equal Housing Lender • NMLS ID 1591 • NMLSConsumerAccess.org. Churchill Certified Homebuyer program is available for qualifying borrowers and select loan types only. Ramsey Audience offer of up to a $500 credit applied at closing toward fees incurred for appraisals for a limited time and may be discontinued without notice.
- Get 20% off when you join DeleteMe
- Go to FAIRWINDS Credit Union for an exclusive account bundle!
- Debt collectors hassling you? Take back control of your life at Guardian Litigation Group
- Save up to 50% on health insurance. Talk to a Health Trust Financial advisor today.
- Visit Helix Sleep for special offers!
- Use code RAMSEY to save 20% at Mama Bear Legal Forms
- Visit NetSuite today to learn more.
- Sign up for your $1.00/month trial at Shopify.
- Make navigating healthcare easier with a patient advocate. Go to Solace Health to see if you qualify.
- Get started at World Watch OR use promo code RAMSEY for a 30-day free trial.
- Get started with YRefy or call 844-2-RAMSEY
- Visit Zander Insurance or call 1-800-356-4282 for your free instant quote today!
- Try ZipRecruiter for free today.
Explore more from Ramsey Network:
🍸 Smart Money Happy Hour
Learn more about your ad choices. Visit megaphone.fm/adchoices
The AI-powered Podcast Player
