
The Ramsey Show Dumb Financial Decisions Stunt Your Financial Growth
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Oct 15, 2025 Hosts tackle fascinating financial dilemmas. A caller grapples with a fiancée's hefty school debt before marriage. They discuss in-law boundaries and when adult children should move out. The debate over prioritizing business versus personal debt unfolds, along with a warning against financing flashy car purchases. Listeners also learn about the importance of creating online wills and managing untaxed freelance income. Plus, guidance on handling family debts and reimagining careers after setbacks keeps the conversation lively.
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Delay Massive Student Loans
- Avoid taking on large student loans right before major life events like marriage or starting a family.
- Wait, plan, or save and have clear agreement before borrowing for education to prevent future emotional and financial strain.
Money Alignment Predicts Marital Stability
- Money fights are the number-one cause of divorce in North America.
- Being aligned on finances before marriage greatly reduces the chance of split caused by money issues.
Don't Buy A House Before Marriage
- Never buy or build a house with someone you're not married to.
- Keep your finances separate until marriage and follow proper order: marriage first, then major joint purchases.





