You Can’t Outearn Your Stupidity
The Ramsey Show
Can we afford a 15-year mortgage in a high-cost area or choose a 30-year?
Patrick from San Diego asks about 15 vs 30-year terms; hosts advocate for 15-year discipline but acknowledge some people choose 30-year for affordability.
🤔 Can an online will work for you? Take this quiz to find out! George Kamel and Rachel Cruze answer your questions and discuss:
- "Am I ok to use credit cards as long as I pay them off every month?"
- "Should I focus on paying down debt or saving if I will be without a job for about a year and a half?"
- "Should my girlfriend and I get an apartment together?"
- "Should I be investing in a 529 or mutual funds for my kids?"
- "I have $30,000 in debt, how do I go about paying this off?"
- "My family doesn’t think it is a good idea to rent out my main home and live in the loft apartment. Why shouldn’t I?".
Next Steps:
📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or send us an email.
📱 Get episodes early in the free Ramsey Network app! 💵 Start your free budget today. Download the EveryDollar app!
💻 Find out where you stand with your money and get a free plan.
❤️🩹 Open Enrollment is here—get free help from a RamseyTrusted health advisor!
Connect With Our Sponsors:
- Stop paying more and start shopping smarter at ALDI.
- Get 10% off your first month of BetterHelp.
- Go to Boost Mobile to switch today!
- Go to Casper Sleep and use promo code RAMSEY to learn more.
- 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!
- Debt collectors hassling you? Take back control of your life at Guardian Litigation Group
- Find top health insurance plans at Health Trust Financial.
- Use code RAMSEY to save 20% at Mama Bear Legal Forms.
- Visit NetSuite today to learn more.
- For more information, go to SimpliSafe.
- Get started with YRefy or call 844-2-RAMSEY.
- Visit Zander Insurance for your free instant quote today!
Explore more from Ramsey Network:
💸 The Ramsey Show Highlights
🧠 The Dr. John Delony Show
🍸 Smart Money Happy Hour
💡 The Rachel Cruze Show
💰 George Kamel
🪑 Front Row Seat with Ken Coleman
📈 EntreLeadership
Ramsey Solutions Privacy Policy
Learn more about your ad choices. Visit megaphone.fm/adchoices
The AI-powered Podcast Player
