The Ramsey Show Wisdom With Money Means Moving Slowly
Jan 9, 2026
This discussion dives into navigating challenging relationships, emphasizing the importance of counseling and setting boundaries. The hosts explore financial dilemmas, like deciding whether to downsize a home or what to do with a substantial inheritance. They tackle practical advice on managing old cars, tackling student loans, and the importance of having adequate life insurance. There's also guidance on rebuilding finances after divorce and tips on job hunting after numerous applications. Listeners will walk away with actionable financial wisdom and relationship insights.
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Demand Counseling Or End It
- Set a hard boundary: demand therapy together or end the relationship immediately.
- Sit with a qualified marriage counselor and pastoral support to learn healthy communication skills.
Don't Be House Poor
- If a mortgage is 40% of take-home pay you can survive but not prosper, so evaluate timeline to fix it.
- Sell or downsize unless you have a clear, short-term plan (raises, degree completion) that restores margin.
Prioritize Big Income Changes Then Attack Debt
- Keep only $1,000 baby-step emergency if income will jump and aggressively pay down student loans after a big raise.
- If your car is essential, rent temporarily and save for a used replacement rather than delaying debt payoff.
