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The Ramsey Show

Latest episodes

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Jul 16, 2025 • 2h 19min

The White House Doesn’t Decide Your Future—You Do

The hosts tackle pressing financial dilemmas, from coping with a partner's gambling to achieving millionaire status on a budget. They explain the intricacies of escrow and the hurdles of side hustles. The discussion includes the impact of tax reforms, strategies for tackling substantial debt, and the importance of mindful spending. Listeners learn about smart investments and the risks involved in business expansion. Alongside these insights, practical steps for financial stability and proactive career strategies are shared, aiming to inspire listeners to take control of their financial futures.
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10 snips
Jul 15, 2025 • 2h 18min

You Can’t Build a Future on Borrowed Money

Discover the intricacies of managing finances in relationships, from sharing debts to the benefits of marriage for financial stability. Learn how to tackle persistent car loan issues and subprime lending dilemmas. Explore the impact of financial decisions on personal lives, including the importance of prenuptial agreements in marriages involving inherited wealth. Gain insights into the housing market, real estate valuation, and the transformative power of discipline in overcoming debt. Uncover the journey of families facing financial struggles and their strategies for resilience.
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15 snips
Jul 14, 2025 • 2h 19min

Admit Your Financial Mess—Then Clean It Up

The hosts tackle pressing financial queries, like the pitfalls of day trading and the importance of focusing on debt repayment. They explore the emotional challenges of land ownership and familial expectations while providing insights on navigating tax liabilities. Discussions also cover managing joint finances in marriages, budgeting for down payments, and the implications of insurance policies. With a dash of humor, they address the complexities of friendships and financial advice, all while emphasizing the path to financial stability and independence.
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9 snips
Jul 11, 2025 • 2h 19min

Shortcuts Today Mean Setbacks Tomorrow

Rachel Cruze and Ken Coleman tackle tough financial questions, from the ethics of bankruptcy to the challenges of family finances. They explore the impact of honesty in job applications, discuss budgeting while pregnant, and examine the balance between aiding children and fostering their independence. A lighthearted exchange about 'welfare chickens' leads to broader topics like debt repayment and managing expectations in marriage. The duo also emphasizes communication in relationships and the importance of preparing for financial hurdles together.
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13 snips
Jul 10, 2025 • 2h 19min

Don’t Let Other People’s Opinions Derail Your Future

Join a lively discussion where financial stability in dating takes center stage. Explore cultural complexities in family support and uncover the nuances of balancing work experience with education. Hear insights on navigating business acquisitions and the importance of careful financial planning as a new graduate. Discover strategies for managing home purchases and mortgage decisions without falling into debt. Plus, delve into the emotional journeys tied to financial choices and the empowerment of breaking free from toxic beliefs.
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Jul 9, 2025 • 2h 19min

Big Debt Requires Bigger Discipline

Explore the complex dynamics of refusing large family monetary gifts and the cultural expectations involved. Consider the challenges of taking on hefty student loans and the move toward financial independence. Dive into the debate on cryptocurrency as a gamble versus a sound investment, alongside the importance of budgeting in relationships. Learn how to improve your credit score and navigate home buying while dealing with personal and emotional financial struggles. Ultimately, it’s about finding a balance between financial discipline and life aspirations.
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Jul 8, 2025 • 2h 19min

You Can’t Outearn a Busted Budget

A heartfelt discussion tackles the plight of a listener facing job loss and debt, stressing the importance of securing basic needs. Insights on unexpected expenses after a settlement highlight the necessity for savings. The hosts explore non-traditional income sources and emphasize financial education. They also dive into the dynamics of parenting sacrifices, work-life balance, and the evolving role of stay-at-home dads. Additionally, practical tips for budgeting through summer spending and achieving financial discipline round out the conversation.
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Jul 7, 2025 • 2h 18min

You’re One Hard Decision Away From Financial Peace

The discussion tackles tough questions on finances and relationships, from debt management to financial transparency in marriages. A listener grapples with a staggering $2.1 million in debt, while others confront the emotional challenges of supporting family through financial crises. The importance of setting boundaries in helping loved ones is emphasized, alongside exploring self-worth beyond income. Listeners are encouraged to balance spending, saving, and giving for financial joy, all while reassessing financial decisions amid personal conflicts.
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Jul 4, 2025 • 2h 21min

Don’t Go Broke Trying to Keep the Peace

Rachel and Jade tackle tough financial questions, from a woman's struggles with a controlling spouse over their budget to a couple drowning in over $85K of credit card debt. They discuss the emotional toll of financial infidelity and ways to recover from it, alongside strategies for debt management and saving for retirement. With insights on navigating job dissatisfaction and the ethics of generosity in business, they provide a comprehensive look at balancing financial stability with personal peace.
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Jul 3, 2025 • 2h 20min

No Amount of Debt Is Too Big for a Comeback

Discover the personal stories behind financial struggles and relationship dynamics. The hosts tackle everything from dating challenges related to wealth to the emotional complexities of owning a horse while deep in debt. They also delve into the intricacies of managing family finances and navigating career transitions, highlighting real-life dilemmas. Listeners gain insights on budgeting, investing, and the importance of life insurance, all while exploring the balance between personal aspirations and financial responsibilities.

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