The Ramsey Show Stop Excusing Debt as a Dream
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Aug 26, 2025 Dave Ramsey and Dr. John Delony tackle financial disagreements in relationships and the importance of teamwork for achieving financial harmony. They discuss the dangers of significant debt, including a cautionary tale about risky cattle investments. Listeners share their struggles with student loans, financial transparency, and unexpected family dynamics, all while emphasizing the need for disciplined debt repayment. The hosts challenge the trend of selling homes for RV living and offer practical advice on investments and budgeting that inspires financial resilience.
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Fix Money Fights By Budgeting Together
- Apologize and start budgeting together using EveryDollar, assigning every dollar before the month begins.
- Cut up credit cards, sit monthly to agree on priorities, and both have a vote on the plan.
Remove The Credit-Card Off-Ramp
- Stop relying on credit cards as an off-ramp and remove the ability to use them for bills like rent.
- Use a shared monthly budget and force conversations that prevent repeating debt cycles.
Don't Finance Commodity Bets
- Never borrow money to gamble on commodity price swings; use cash if you must take the risk.
- Treat cattle/commodity plays as gambling and avoid using borrowed or CD-collateralized funds.
