The Ramsey Show Get Out of Survival Mode So You Can Finally Move Forward
Dec 4, 2025
In this discussion, experts tackle pressing financial dilemmas. They provide strategies for overcoming $35,000 in debt and stopping a son’s sports gambling. Listeners learn how to manage aggressive student loans, and the importance of prioritizing living expenses over retirement savings. There’s also insightful advice on career choices, paying off rental properties, and budgeting for the holiday season. A couple shares their amazing journey of paying off $5.5 million, demonstrating how to transform financial struggles into success.
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Start With Survival Then Attack Debt
- Build a written monthly budget and cover your "four walls" first: food, utilities, shelter, transportation, and essential bills.
- List debts smallest to largest, pay minimums on all and throw extra money at the smallest until it's gone.
Use EveryDollar And Live On A Plan
- Use EveryDollar to plan every dollar before the month begins and stay intentional about where income goes.
- Cut up credit cards, live on a written plan, and use extra income to snowball debts.
Don't Replace Gambling With Short-Term Trading
- Treat online sports gambling as an addictive harm and discourage participation outright rather than redirecting to short-term trading.
- Make the person total losses and show what that money could have become invested long-term.
