

Ramsey Everyday Millionaires
Ramsey Network
Listen to how ordinary people built extraordinary wealth - and how you can too. You’ll learn how millionaires live on less than they make, avoid debt, invest, are disciplined and responsible! Featuring hosts from the Ramsey Network: Dave Ramsey, Ken Coleman, Rachel Cruze, George Kamel, Jade Warshaw, and Dr. John Delony.
Episodes
Mentioned books

Oct 31, 2025 • 10min
Can I Afford to Retire at 54?
 💵 Sign up for EveryDollar today - Create a free Budget!
Listen to how ordinary people built extraordinary wealth - and how you can, too. You’ll learn how millionaires live on less than they make, avoid debt, invest, and are disciplined and responsible! 
Next Steps:
💰Need help with your investments? Connect with a SmartVestor Pro: (SmartVestor Investing Professionals ) #PaidEndorsement 
📝Get your free copy of Ramsey’s Complete Guide to Investing: (Ramsey's Complete Guide to Investing)
🏦Take a retirement assessment to find out how much you’ll need to retire: (Retire Inspired with the R:IQ Retirement Assessment)
📈See how much your investments could be worth over time with this handy calculator: (Investment Calculator)
🧑💻Explore free investing tools, articles and more on the Ramsey Investing Hub: (Ramsey Investing Tools and Resources)
 
Listen to more from Ramsey Network
🎙️ The Ramsey Show 
🧠 The Dr. John Delony Show
🍸 Smart Money Happy Hour
💡 The Rachel Cruze Show
💰 George Kamel
🪑 Front Row Seat with Ken Coleman
📈 EntreLeadership
💸 The Ramsey Show Highlights
 
Learn more about your ad choices.
 Ramsey Solutions Privacy Policy  

Oct 29, 2025 • 4min
Should I Lower My 529 Contributions to Pay Off My House Faster?
 💵 Sign up for EveryDollar today - Create a free Budget!
Listen to how ordinary people built extraordinary wealth - and how you can, too. You’ll learn how millionaires live on less than they make, avoid debt, invest, and are disciplined and responsible! 
Next Steps:
💰Need help with your investments? Connect with a SmartVestor Pro: (SmartVestor Investing Professionals ) #PaidEndorsement 
📝Get your free copy of Ramsey’s Complete Guide to Investing: (Ramsey's Complete Guide to Investing)
🏦Take a retirement assessment to find out how much you’ll need to retire: (Retire Inspired with the R:IQ Retirement Assessment)
📈See how much your investments could be worth over time with this handy calculator: (Investment Calculator)
🧑💻Explore free investing tools, articles and more on the Ramsey Investing Hub: (Ramsey Investing Tools and Resources)
 
Listen to more from Ramsey Network
🎙️ The Ramsey Show 
🧠 The Dr. John Delony Show
🍸 Smart Money Happy Hour
💡 The Rachel Cruze Show
💰 George Kamel
🪑 Front Row Seat with Ken Coleman
📈 EntreLeadership
💸 The Ramsey Show Highlights
 
Learn more about your ad choices. 
Ramsey Solutions Privacy Policy  

Oct 27, 2025 • 9min
Why 10–12x Your Income Is the Term Life Sweet Spot
 💵 Sign up for EveryDollar today - Create a free Budget!
Listen to how ordinary people built extraordinary wealth - and how you can, too. You’ll learn how millionaires live on less than they make, avoid debt, invest, and are disciplined and responsible! 
Next Steps:
💰Need help with your investments? Connect with a SmartVestor Pro: (SmartVestor Investing Professionals ) #PaidEndorsement 
📝Get your free copy of Ramsey’s Complete Guide to Investing: (Ramsey's Complete Guide to Investing)
🏦Take a retirement assessment to find out how much you’ll need to retire: (Retire Inspired with the R:IQ Retirement Assessment)
📈See how much your investments could be worth over time with this handy calculator: (Investment Calculator)
🧑💻Explore free investing tools, articles and more on the Ramsey Investing Hub: (Ramsey Investing Tools and Resources)
 
Listen to more from Ramsey Network
🎙️ The Ramsey Show 
🧠 The Dr. John Delony Show
🍸 Smart Money Happy Hour
💡 The Rachel Cruze Show
💰 George Kamel
🪑 Front Row Seat with Ken Coleman
📈 EntreLeadership
💸 The Ramsey Show Highlights
 
Learn more about your ad choices. 
Ramsey Solutions Privacy Policy  

Oct 24, 2025 • 6min
Is It Better to Max Out My Roth IRA Up Front or Over Time?
 💵 Sign up for EveryDollar today - Create a free Budget!
Listen to how ordinary people built extraordinary wealth - and how you can, too. You’ll learn how millionaires live on less than they make, avoid debt, invest, and are disciplined and responsible! 
Next Steps:
💰Need help with your investments? Connect with a SmartVestor Pro: (SmartVestor Investing Professionals ) #PaidEndorsement 
📝Get your free copy of Ramsey’s Complete Guide to Investing: (Ramsey's Complete Guide to Investing)
🏦Take a retirement assessment to find out how much you’ll need to retire: (Retire Inspired with the R:IQ Retirement Assessment)
📈See how much your investments could be worth over time with this handy calculator: (Investment Calculator)
🧑💻Explore free investing tools, articles and more on the Ramsey Investing Hub: (Ramsey Investing Tools and Resources)
 
Listen to more from Ramsey Network
🎙️ The Ramsey Show 
🧠 The Dr. John Delony Show
🍸 Smart Money Happy Hour
💡 The Rachel Cruze Show
💰 George Kamel
🪑 Front Row Seat with Ken Coleman
📈 EntreLeadership
💸 The Ramsey Show Highlights
 
Learn more about your ad choices. 
Ramsey Solutions Privacy Policy  

13 snips
Oct 22, 2025 • 5min
Should I Sell My Investment Property With Owner Financing?
 💵 Sign up for EveryDollar today - Create a free Budget!
Listen to how ordinary people built extraordinary wealth - and how you can, too. You’ll learn how millionaires live on less than they make, avoid debt, invest, and are disciplined and responsible! 
Next Steps:
💰Need help with your investments? Connect with a SmartVestor Pro: (SmartVestor Investing Professionals ) #PaidEndorsement 
📝Get your free copy of Ramsey’s Complete Guide to Investing: (Ramsey's Complete Guide to Investing)
🏦Take a retirement assessment to find out how much you’ll need to retire: (Retire Inspired with the R:IQ Retirement Assessment)
📈See how much your investments could be worth over time with this handy calculator: (Investment Calculator)
🧑💻Explore free investing tools, articles and more on the Ramsey Investing Hub: (Ramsey Investing Tools and Resources)
 
Listen to more from Ramsey Network
🎙️ The Ramsey Show 
🧠 The Dr. John Delony Show
🍸 Smart Money Happy Hour
💡 The Rachel Cruze Show
💰 George Kamel
🪑 Front Row Seat with Ken Coleman
📈 EntreLeadership
💸 The Ramsey Show Highlights
 
Learn more about your ad choices. 
Ramsey Solutions Privacy Policy  

Oct 20, 2025 • 10min
If I Can Afford Both, Why Can’t I Invest and Pay Off Debt Together?
 💵 Sign up for EveryDollar today - Create a free Budget!
Listen to how ordinary people built extraordinary wealth - and how you can, too. You’ll learn how millionaires live on less than they make, avoid debt, invest, and are disciplined and responsible! 
Next Steps:
💰Need help with your investments? Connect with a SmartVestor Pro: (SmartVestor Investing Professionals ) #PaidEndorsement 
📝Get your free copy of Ramsey’s Complete Guide to Investing: (Ramsey's Complete Guide to Investing)
🏦Take a retirement assessment to find out how much you’ll need to retire: (Retire Inspired with the R:IQ Retirement Assessment)
📈See how much your investments could be worth over time with this handy calculator: (Investment Calculator)
🧑💻Explore free investing tools, articles and more on the Ramsey Investing Hub: (Ramsey Investing Tools and Resources)
 
Listen to more from Ramsey Network
🎙️ The Ramsey Show 
🧠 The Dr. John Delony Show
🍸 Smart Money Happy Hour
💡 The Rachel Cruze Show
💰 George Kamel
🪑 Front Row Seat with Ken Coleman
📈 EntreLeadership
💸 The Ramsey Show Highlights
 
Learn more about your ad choices. 
Ramsey Solutions Privacy Policy  

Oct 17, 2025 • 10min
I’m New to Investing—How Do I Get Started?
 💵 Sign up for EveryDollar today - Create a free Budget!
Listen to how ordinary people built extraordinary wealth - and how you can, too. You’ll learn how millionaires live on less than they make, avoid debt, invest, and are disciplined and responsible! 
Next Steps:
💰Need help with your investments? Connect with a SmartVestor Pro: (SmartVestor Investing Professionals ) #PaidEndorsement 
📝Get your free copy of Ramsey’s Complete Guide to Investing: (Ramsey's Complete Guide to Investing)
🏦Take a retirement assessment to find out how much you’ll need to retire: (Retire Inspired with the R:IQ Retirement Assessment)
📈See how much your investments could be worth over time with this handy calculator: (Investment Calculator)
🧑💻Explore free investing tools, articles and more on the Ramsey Investing Hub: (Ramsey Investing Tools and Resources)
 
Listen to more from Ramsey Network
🎙️ The Ramsey Show 
🧠 The Dr. John Delony Show
🍸 Smart Money Happy Hour
💡 The Rachel Cruze Show
💰 George Kamel
🪑 Front Row Seat with Ken Coleman
📈 EntreLeadership
💸 The Ramsey Show Highlights
 
Learn more about your ad choices.
 Ramsey Solutions Privacy Policy 
 

Oct 15, 2025 • 10min
Should We Cash Out Our Variable Annuity to Pay Off Debt?
 💵 Sign up for EveryDollar today - Create a free Budget!
Listen to how ordinary people built extraordinary wealth - and how you can, too. You’ll learn how millionaires live on less than they make, avoid debt, invest, and are disciplined and responsible! 
Next Steps:
💰Need help with your investments? Connect with a SmartVestor Pro: (SmartVestor Investing Professionals ) #PaidEndorsement 
📝Get your free copy of Ramsey’s Complete Guide to Investing: (Ramsey's Complete Guide to Investing)
🏦Take a retirement assessment to find out how much you’ll need to retire: (Retire Inspired with the R:IQ Retirement Assessment)
📈See how much your investments could be worth over time with this handy calculator: (Investment Calculator)
🧑💻Explore free investing tools, articles and more on the Ramsey Investing Hub: (Ramsey Investing Tools and Resources)
 
Listen to more from Ramsey Network
🎙️ The Ramsey Show 
🧠 The Dr. John Delony Show
🍸 Smart Money Happy Hour
💡 The Rachel Cruze Show
💰 George Kamel
🪑 Front Row Seat with Ken Coleman
📈 EntreLeadership
💸 The Ramsey Show Highlights
 
Learn more about your ad choices.
 Ramsey Solutions Privacy Policy 
 

8 snips
Oct 13, 2025 • 9min
Should I Go All In on Real Estate Investing After Losing My Job?
 Brandon discusses his recent layoff and debates whether to dive into real estate or return to corporate life. The host emphasizes the need to match his former salary with potential real estate earnings. They consider the risks and rewards of flipping versus rentals, revealing that flipping could provide faster income. John advises Brandon to keep a high-paying job while learning flipping on the side, providing insights into a successful transition and the hard work involved in real estate. It's a deep dive into making smart financial decisions after job loss. 

Oct 10, 2025 • 6min
What’s the Advantage of Actively Managed Funds Over Index Funds?
 💵 Sign up for EveryDollar today - Create a free Budget!
Listen to how ordinary people built extraordinary wealth - and how you can, too. You’ll learn how millionaires live on less than they make, avoid debt, invest, and are disciplined and responsible! 
Next Steps:
💰Need help with your investments? Connect with a SmartVestor Pro: (SmartVestor Investing Professionals ) #PaidEndorsement 
📝Get your free copy of Ramsey’s Complete Guide to Investing: (Ramsey's Complete Guide to Investing)
🏦Take a retirement assessment to find out how much you’ll need to retire: (Retire Inspired with the R:IQ Retirement Assessment)
📈See how much your investments could be worth over time with this handy calculator: (Investment Calculator)
🧑💻Explore free investing tools, articles and more on the Ramsey Investing Hub: (Ramsey Investing Tools and Resources)
 
Listen to more from Ramsey Network
🎙️ The Ramsey Show 
🧠 The Dr. John Delony Show
🍸 Smart Money Happy Hour
💡 The Rachel Cruze Show
💰 George Kamel
🪑 Front Row Seat with Ken Coleman
📈 EntreLeadership
💸 The Ramsey Show Highlights
 
Learn more about your ad choices.
 Ramsey Solutions Privacy Policy 
 


