The Ramsey Show Quiet The Chaos And Solve For Peace
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Jan 16, 2026 This episode dives into how to navigate financial chaos, including tips for preparing finances before a loved one goes to prison. The hosts tackle tough conversations about making adult children responsible and prioritizing debt reduction. Listeners learn about wise home buying strategies and how to handle family inheritance without causing rifts. They also discuss when selling an expensive car makes sense and the importance of transparency in joint finances. Each story highlights the path to financial clarity and peace.
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Keep The Business Running After Crisis
- Try to keep a small business running after an owner is suddenly unavailable by hiring or partnering with a trusted worker and outsourcing bookkeeping.
- Replace the owner's operational tasks first and evaluate profit-splitting to retain most income instead of losing the entire business.
Stop Bailing Out Adult Kids
- Stop rescuing adult children and set clear boundaries like removing car keys and parking the car until responsibilities are met.
- Confess past leniency, explain the new rules, and let natural consequences teach financial responsibility.
Audit First, Attack Back Rent
- Start with an audit: list debts, track last month's income and spending, and build a budget using EveryDollar.
- Prioritize catching up on rent and throw extra income at back rent before addressing student loans and personal loans.
