The Ramsey Show If You Want To Do Great Things You Need To Do Hard Things First
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Oct 6, 2025 Dive into a world of financial dilemmas where hosts tackle everything from getting out of a million-dollar debt to navigating divorce settlements with upside-down car loans. Hear advice on the power of side hustles for dealing with huge student loans and how to secure a mortgage without a high credit score. Learn about the choice between bankruptcy and fighting through debt, and discuss the tricky balance of debt repayment versus fertility treatment costs. Plus, moral dilemmas about lending money to friends are unveiled!
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Make A Dramatic Momentum Move
- Sell or get rid of wildly upside-down vehicles to create massive momentum toward debt freedom.
- Drive a cheaper car temporarily and use the freed cash to attack consumer debt aggressively.
Replace Status Cars With Practical Ones
- Sell an expensive, mismatched car after a divorce to eliminate large monthly payments and free cash for a house.
- Buy a reliable $10k–$15k car and use the refunded cash toward savings and your down payment.
Attack Debt With Income And Discipline
- If you face heavy debt, prioritize increasing income aggressively while following the debt snowball.
- Embrace hard, consistent actions as necessary steps to reach significant financial goals.