The Ramsey Show Yesterday’s Choices Don’t Define You — Change Starts Today
Sep 23, 2025
In this lively discussion, hosts tackle various listener dilemmas, from relationship advice about marriage timing to financial strategies. They dive into the pros and cons of using home equity, explore smart investing for those with cash reserves, and debate the best way to manage student loans. Practical tips emerge for planning weddings on a budget and making wise choices with unexpected settlements. Listeners also receive guidance on caregiving and tackling crushing car debt while celebrating successful debt payoffs!
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Marry First, Celebrate Later
- If you want to formalize a long-term relationship, get the marriage license and do the courthouse wedding now.
- Follow with premarital or marital counseling to address lingering issues before a celebration later.
Use Equity To Accelerate Primary Payoff
- Recast a second mortgage and use cash-out refinance to shift equity if it slightly accelerates your primary mortgage payoff.
- Avoid HELOCs or rate increases that worsen terms; focus on eliminating the primary mortgage first.
Fix Life First, Debt Later
- Filing bankruptcy won't solve root problems like homelessness, joblessness, or substance issues.
- Get steady work, stable housing, accountability, and mentorship before considering legal debt remedies.
