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The Ramsey Show

Latest episodes

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Dec 9, 2024 • 1h 28min

Building Wealth Starts With Setting Aggressive Goals

The hosts tackle pressing questions about whole life insurance, weighing its high costs against more effective investments like Roth IRAs. They delve into the emotional struggles of financial betrayal and the impact of debt on relationships. Navigating post-debt housing and career transitions is also explored, emphasizing strategic goal-setting for financial growth. Listeners learn about the importance of transparency and collaboration in finances, alongside advice on managing financial priorities and the emotional aspects of money.
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Dec 6, 2024 • 1h 27min

Don’t Overcomplicate Building Wealth, Keep It Simple

Explore practical strategies for budgeting in unpredictable income scenarios, including creating a 'Peaks and Valleys' fund. Delve into the emotional aspects of identity theft and how to secure personal information in the digital age. Learn about aligning career choices with personal values, the significance of life insurance for family security, and navigating financial friendships. Discover how simplicity in wealth-building and proactive planning can lead to financial freedom, while balancing joy and responsibilities.
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Dec 5, 2024 • 1h 29min

Get Out of the Cycle of Debt and Choose Peace Instead

Delve into the murky waters of debt management and uncover strategies for tackling student loans and credit card debt. Discover the emotional and financial complexities of divorce and inheritance within family dynamics. The discussion touches on the importance of clear communication and boundaries in financial relationships, especially when love and money intertwine. Learn how personal choices impact well-being and resilience, all while navigating the pitfalls of supporting loved ones without sacrificing your own financial health.
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Dec 4, 2024 • 1h 29min

Don’t Let Your Present Circumstances Define Your Future

Discover how to take control of your finances with practical strategies for wealth building. Dive into the importance of future planning for career and financial choices, and learn effective debt repayment methods for a secure retirement. Hear personal stories of overcoming financial challenges and tips for dealing with identity theft. Explore mindset shifts that empower you after financial struggles and get insights on choosing the right life insurance. Plus, enjoy a light-hearted discussion on Tesla versus traditional cars!
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Dec 3, 2024 • 1h 27min

Debt Is a Trap That Will Hold You Back From Building Wealth

The hosts tackle the deceptive allure of debt in consumer culture and discuss aggressive repayment strategies. They highlight the importance of budgeting to combat financial anxiety and the emotional support of partners in financial success. Listeners learn about the pitfalls of credit card marketing and the necessity of life insurance for families. The conversation also touches on staying disciplined with financial goals while navigating family financial requests, promoting mindful spending for true wealth building.
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10 snips
Dec 2, 2024 • 1h 29min

Debt Is Never the Problem, It’s Always the Symptom

Explore the nuances of first-time home buying and the essential steps for young buyers to ensure financial stability. Delve into the emotional complexities of relocating for better job opportunities, while also considering the impact on taxes. Learn about the financial prep necessary for medical school and the costs involved. Uncover the importance of online privacy in today's digital world and how to navigate medical expenses with transparency. Plus, discover investment strategies for those approaching retirement age.
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Nov 29, 2024 • 1h 28min

A Large Income Won’t Protect You From Debt

Struggling with over a million in debt? You're not alone! Learn how transitioning careers, especially from military service, can impact financial health. Explore the ethics of food pantry use even with a stable income. Discover tips for lowering rising car insurance costs and effective budgeting strategies. Witness personal stories of overcoming grief while managing finances, and the importance of communicating about money in partnerships. Finally, get inspired by the power of smart financial choices to regain control!
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Nov 28, 2024 • 1h 28min

Bad Money Habits and Good Relationships Don’t Mix

In this engaging discussion, the impact of bad money habits on relationships takes center stage. Listeners explore the intricate balance of financial dynamics in marriage, emphasizing respect and open dialogue. The emotional weight of bankruptcy and the stigma attached to financial struggles are addressed with compassion. Additionally, practical advice on managing debt and navigating student loans offers valuable insights, while light-hearted moments about work-life balance add humor to the conversation.
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Nov 27, 2024 • 1h 28min

Are you Stuck in the Paycheck-to-Paycheck Grind?

The discussion opens with a deep dive into the biblical perspective on wealth, addressing misconceptions and emphasizing stewardship. Listeners also explore the complexities of immigration sponsorship, highlighting financial responsibilities and family dynamics. Communication's critical role in managing financial stress within relationships is emphasized, urging transparency. One caller shares insights on transitioning from renting to homeownership for long-term stability. The importance of financial education for youth is celebrated, showcasing strategies to foster independence and alleviate anxiety.
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Nov 26, 2024 • 1h 29min

You Can’t Outearn Bad Spending Habits Forever

The hosts dive into tackling debt, with a caller revealing her struggle with $65,000 and a mere $1,000 in savings. They discuss career shifts, emphasizing the challenges of becoming a NICU nurse. Effective income-boosting strategies are explored, stressing the emotional side of financial choices. Parenting is another hot topic, focusing on teaching kids life skills through literature while addressing the balance of support and independence for adult children. The importance of calm financial management shines through discussions on escrow accounts and making informed investment decisions.

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