The Ramsey Show Stop Hoping Someone Else Will Fix Your Money
Dec 15, 2025
George Kamel and Dr. John Delony tackle pressing financial questions, advising on navigating student loans and the balance between debt and living costs. They discuss the importance of open communication with children about finances, especially when it comes to credit cards and health insurance. The hosts also emphasize the value of premarital counseling, setting realistic budgets for building projects, and making informed decisions about funeral costs. Finally, they share insights on investing early and transitioning to sustainable income strategies.
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Reset College-Funding Expectations
- Sit down calmly and set clear expectations before withholding big financial gifts like a 529 account.
- Offer a contract: accept the money only if she meets explicit responsibilities and stays debt-free.
Prefer Aggressive Payoff Over Hoping For Forgiveness
- Don't rely on potential government forgiveness; attack student loans aggressively instead.
- Pay extra now to be debt-free in 2–3 years and keep your career and life options open.
Don't Cut Off Critical Health Coverage
- Keep health coverage for a child with a serious condition even if they move out, while setting other firm boundaries.
- Stay a safe place to return to and make clear what you will and won't fund.
