Lean Into Hard Things—That’s Where Change Happens
The Ramsey Show
Starting Out: Emergency Fund vs. Retirement Pull
Kelly asks about using small retirements for Baby Step 1; Rachel recommends keeping retirement intact, using a money market/high-yield savings for the $1,000 fund, and aggressive income to attack debt.
🤔 Can an online will work for you? Take this quiz to find out! Rachel Cruze and Dr. John Delony answer your questions and discuss:
- “How can we overcome money issues like we did addiction & alcoholism?”
- “How do I combine finances with my girlfriend?”
- “How do we get my mom to move out of our house?”
- “Are precious metals a good investment?”
- “I’m upside down on an RV, how do I get rid of it?”
- “Should I pay my husband’s credit card debt from gambling and reckless spending?”
- “Should we teach our kids about money with cash or debit cards?”
- “My boyfriend stopped supporting me after we broke up and we own a home together. Should I sell the house?”
- “Should I pull money out of a retirement account for baby step 1?”
- “Everyone is telling me to go even more into debt instead of paying it off”
- “I have anxiety about my job change even though I crunched the numbers. How do I find peace in this process?”
- “The buyer on our home pulled out an hour before closing but we already moved into the home. What should we do?”
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Explore more from Ramsey Network:
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🪑 Front Row Seat with Ken Coleman
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