The Ramsey Show Small Steps Lead to Big Change
Sep 29, 2025
Explore money management strategies with practical insights from George and Jade. They dive into where to best park your savings, how to ask for fair pay, and the implications of using a credit card responsibly. Discover if living in a van is comparable to a mortgage and understand the risks of using your emergency fund like a personal bank. Plus, hear about finding funding for adoption and smart tips on homebuying, all while having some fun with a Lion King casting segment!
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Use A Brokerage For Accessible Growth
- Open a non-retirement brokerage account to fund bucket-list and travel goals while keeping retirement intact.
- Park money in index/mutual funds so it can grow faster than a savings account.
Raise Pay With Curiosity, Not Accusation
- Ask your manager curious, fact-finding questions about role valuation and a growth plan instead of accusing them of favoritism.
- If leadership ignores fair pay, quietly look for other positions that will pay market value.
Ignore The Credit-Score Panic
- Don't reload paid-off revolving debt just to chase a higher credit score; debt-free living matters more than a three-digit number.
- Use manual underwriting and alternative documentation to qualify for housing without a credit score.
