The Ramsey Show You Still Have Time To Change Your Financial Situation
Nov 17, 2025
Exploring financial dilemmas, the hosts tackle relationship struggles connected to student loans and the importance of communication in finances. They offer practical advice for getting out of debt on a low income and discuss the pros and cons of rent-to-own plans. Burned houses and rebuilding strategies highlight the challenges many face. Inheriting money raises questions about family dynamics, while retirement contribution strategies provide alternatives for high earners. It's a mix of personal stories and actionable tips for financial empowerment!
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Call Out Debt-As-An-Excuse
- If a partner uses debt as an excuse to avoid commitment, treat it as a relationship issue, not purely a financial one.
- Push for clarity: define the relationship, insist on commitment or move on to avoid repeated excuses.
Get Loan Agreements In Writing
- If parents won't trust a child to make student loan payments, get written agreements rather than handshakes.
- Keep contingency savings earmarked to cover legally-agreed loans to limit future marital friction.
Protect Your Four Walls First
- Prioritize four walls (food, utilities, housing, transportation, insurance) before unsecured debts.
- If disability limits work, protect basics first, then pursue better-paying remote or administrative roles and relocate for opportunity.
