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The Dave Ramsey Show

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Rachel Cruze

4 bad spending habits you need to break now to reach your dreams

With a few changes to your spending habits, you actually can turn your financial dreams into reality.
2 days ago
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Dave Ramsey

Dave Ramsey says: Think of emergency fund as insurance

If you use debt to cover emergencies, you’re digging a financial hole for yourself. A strong foundation of any financial house includes an emergency fund.
7 days ago
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Dave Ramsey Solutions

Taking a closer look at the 401(k) and how it works

If you just started a new job, and you’re looking at the 401(k) options that are available, you probably have questions about how it all works.
9 days ago
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Dave Ramsey

Dave Ramsey says: Keep things friendly with client behind in payments

Have a friendly, sit-down meeting with the client who owes you money. Ask a few questions, and find out what’s really going on. But he needs to understand you can’t be his bank.
14 days ago
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Christy Wright

5 questions to ask before committing your time

We live in a fast-paced world where we make hundreds of decisions every day about how to spend our time. And since time is our most precious resource, we should all be careful about how often we say yes.
16 days ago
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Dave Ramsey

Dave Ramsey says: Umbrella policy is worth the money

If you’ve got a substantial net worth, or if there’s something that gives the impression someone might be able to get a lot out of you in a lawsuit, an umbrella insurance policy is a smart buy.
21 days ago
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Ken Coleman

Is a 4-day workweek on horizon for US? Don’t hold your breath

There’s a lot of talk right now about a four-day workweek, both globally and here in the United States. There are pros and cons to this issue.
23 days ago
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Dave Ramsey

Dave Ramsey says: Use gift money to pay debts, then go have fun

Debt is risk and it's eating up your largest wealth-building tool - your income. Knock out what you owe from smallest to largest using the debt snowball system.
28 days ago
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John Delony

It takes time and effort to rebuild trust in relationships

No matter how it happens, broken trust is painful and disorienting. But relationships can come back stronger than ever with work.
1 month ago
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Dave Ramsey

Dave Ramsey says: Landlords have right to inspect rental home

Renters have the legal right of quiet enjoyment, meaning landlords don’t get to show up at all hours and harass them. But renters can't deny the owner access after they're given reasonable notice, either.
1 month ago
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Rachel Cruze

Tackle your holiday season budget now and celebrate success

You may still be enjoying time at the pool, but if you haven’t started yet, now is the best time to start budgeting for Christmas.
1 month ago
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Dave Ramsey

Dave Ramsey says: With baby on way, it’s OK to pause Baby Steps

With two good jobs, a couple expecting their first baby can push the pause button on the Baby Steps and forget about paying down debt for a while.
1 month ago
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Christy Wright

Any recipe to add balance in your life includes asking for help

Life balance works the same way as a cooking recipe, and there are five ingredients that are nonnegotiable if you want to feel balanced.
1 month ago
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Dave Ramsey

Dave Ramsey says: At 60, it’s good idea to plan for long-term care insurance

Once you reach 60, that's the time to buy long-term care insurance because the likelihood of filing a claim before then is very slim.
2 months ago
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Ken Coleman

Good things come to those who wait in life, career

It might not be fun - and it definitely humbles you - but waiting often grows and refines you in ways nothing else can.
2 months ago
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Dave Ramsey

Dave Ramsey says: You can make impact on society through investments

Impact investing generally aims to benefit society, while providing a profit for the investor, by investing in companies, funds and organizations that are aligned with causes, certain values or issues.
2 months ago
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Dave Ramsey

Dave Ramsey says: If you need a co-signer, you’re not ready to buy

Here’s a simple, solid piece of advice for anyone looking to make a purchase of any kind. If you need a co-signer, you’re not ready to make that purchase, period.
2 months ago
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Dave Ramsey

Dave Ramsey says: If businesses want to tithe, base it off profits not gross

The Bible may only address the topic of tithing by individuals, not businesses but if you want tithe from your business, base it off the profits.
2 months ago
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Rachel Cruze

5 tips for staying motivated while paying off debt

The excitement of starting your debt-free journey may have worn off, so here are five tips for staying motivated as you keep working toward your money goals so you can finish the year strong.
2 months ago
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Dave Ramsey

Dave Ramsey says: Self-banking with whole term life policy is scam

Basically, with whole life you pay about 20 times more for the same amount of insurance that you would with a term policy.
2 months ago
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Rachel Cruze

3 ways to reclaim your money goals in 2021

Just because our original money goals get derailed doesn’t mean we'll fail in the long run. We only have to adjust and start again.
2 months ago
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Dave Ramsey

Dave Ramsey says: Parent’s request for secrecy about loan is out of bounds

Asking to borrow money from an adult child is one thing but asking the loan be kept secret from the lender's spouse is unacceptable.
3 months ago
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Dave Ramsey

Dave Ramsey says: Stay calm when dealing with debt collectors

Talk to debt collectors calmly and rationally; explain your financial situation. You may be able to reach a compromise. But if they get nasty, report them.
3 months ago
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Dave Ramsey

Dave Ramsey says: Parents owe adult children honest talk about wills

There’s a big difference between judging people and being judgmental. But it’s unkind not to share insights or suggestions for a better way of life with those you love most.
3 months ago