

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 8, 2025 • 5min
Should I Put More Toward My Mortgage or Into Investments?
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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
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Ramsey Solutions Privacy Policy

Oct 6, 2025 • 7min
How Should We Invest If We Want to Retire Early?
💵 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 3, 2025 • 7min
Is Real Estate Taking Up Too Much of My Net Worth?
💵 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 1, 2025 • 10min
How Much Do You Really Need to Put in a 529 for College?
💵 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

Sep 29, 2025 • 6min
Will Dave Ever Invest In Cryptocurrency?
💵 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

6 snips
Sep 26, 2025 • 10min
I’m Nervous About Having $1.8 Million in One Stock
A caller shares his impressive $5.4 million net worth but wrestles with having $1.8 million in a single stock. The discussion highlights the risks of concentration and the importance of diversification. Recommended strategies include selling gradually to manage tax implications and reallocating investments systematically. Personal experiences with big-name stocks like Enron add an emotional layer to the financial advice. The conversation ultimately emphasizes the discipline and long-term thinking required for successful investing.

6 snips
Sep 24, 2025 • 9min
Should We Convert to a Roth or Leave It for the Kids to Inherit?
A caller grapples with whether to convert $3M in traditional IRAs to Roths or let his children inherit them. The host shares insights on how Roth conversions can eliminate required minimum distributions and long-term tax burdens. They discuss the tax implications of inherited IRAs under new rules, emphasizing the importance of using after-tax savings for conversions. Paying taxes now might sting, but it protects heirs from larger future tax hits. Finally, the host highlights that there are no annual conversion limits, urging proactive financial planning.

7 snips
Sep 22, 2025 • 6min
How Do I Choose the Right Investments in My 401(k)?
Explore how to maximize your 401(k) by rolling over old accounts into IRAs and diversifying with mutual funds. Learn the importance of not letting your retirement cash sit idle, with real-life examples to illustrate potential gains. Get practical tips on consulting a SmartVestor Pro for personalized investment advice. Discover the disciplined habits of millionaires who successfully build wealth while living below their means.

Sep 19, 2025 • 6min
Is Leasing a Car a Smart Move If My Employer Covers the Taxes?
💵 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

6 snips
Sep 17, 2025 • 8min
Where Does Extra Cash Go When You’re on the Baby Steps?
The discussions revolve around finding a balance between saving and enjoying life while paying off debt. Personal anecdotes make budgeting for fun experiences relatable. A couple's journey highlights strategic financial steps to manage extra cash along with mortgage debt. They face dilemmas about handling a potential inheritance, learning to prioritize mortgage repayment and retirement savings over new investments. The emphasis is on disciplined financial strategies that lead to long-term wealth.