Debt Robs Your Life of Margin
5/11/20262 hr 16 min
❓ Have a money question? Ask Ramsey is here to help. 📈 Are you on track with the Baby Steps? Get a Free Personalized Plan. George Kamel and Jade Warshaw answer your questions and discuss: “We make $110,000 a year but still can't make ends meet” “Our lender is telling us to cash out our retirement to buy a house, should we do it?” “Should I advise my daughter to file for bankruptcy?” “Should I pay down my mortgage to drop PMI or should I pay off consumer debt first?” “I’m in $34,000 of debt and currently living paycheck-to-paycheck—getting out of this feels impossible” Next Steps: ✔️ Help us make the show better. Please take this short survey. 📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or send us an email. 💰 Enter the Ramsey May Cash Giveaway! $500 weekly prizes and a $10,000 Grand Prize. Daily entries increase chances of winning 💵 Start your free budget today. Download the EveryDollar app! 🏠 Get organized and prepared to buy or sell a home Connect With Our Sponsors: Get 10% off your first month of BetterHelp Go to Boost Mobile to switch today! If you want your car to keep going and going, trust Christian Brothers Automotive. Find a local shop and get an exclusive Ramsey discount of 10% (up to $250) off Learn more about Christian Healthcare Ministries Get started today with Churchill Mortgage Get 20% off when you join DeleteMe Go to FAIRWINDS Credit Union for an exclusive account bundle! Debt collectors hassling you? Take back control of your life at Guardian Litigation Group Find top health insurance plans at Health Trust Financial Use code RAMSEY to save 20% at Mama Bear Legal Forms Visit NetSuite today to learn more. Get started with YRefy or call 844-2-RAMSEY Visit Zander Insurance or call 1-800-356-4282 for your free instant quote today! Explore more from Ramsey Network: 💸 The Ramsey Show Highlights 🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💰 George Kamel 🪑 Front Row Seat with Ken Coleman 📈 EntreLeadership Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices
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Transcript preview
First 90 secondsGeorge Kamel· Co-host0:03
This is an ad for BetterHelp. You work so hard to be the strong one for everyone else, but you're running on empty. The pressure to show up doesn't just disappear, it takes over your life, and talking to someone can help. Go to betterhelp.com/ramsey for 10% off.
Dave Ramsey· Soundbite0:18
[upbeat music] Brought to you by the EveryDollar app. Start budgeting for free today.
Jade Warshaw· Host0:25
[upbeat music] Normal is broke and common sense is weird, so we're here to help you transform your life. From the Ramsey Network, in the Fairwinds Credit Union Studio, this is The Ramsey Show. I'm Jade Warshaw. Next to me, George C- c- c- Camel. [imitates trumpet] Hey, love it. I love the energy.
George Kamel· Co-host0:45
That was not a sound effect. That was actually me.
Jade Warshaw· Host0:47
That came straight from the camel's mouth. Hey.
George Kamel· Co-host0:50
Nailed it.
Jade Warshaw· Host0:50
I know. I did nail that. And we are going to nail it here with Marie, who is in Cleveland, Ohio. What's going on, Marie? How can George and I help today?
Speaker 30:58
Hi. Thank you so much for taking my call. Um, unfortunately, my husband of 46 years old, uh, we were married 21 years, he died suddenly 10 months ago.
Jade Warshaw· Host1:12
Oh.
George Kamel· Co-host1:12
Oh my goodness.
Speaker 31:12
And, um, yeah, it's been really hard, but we are trusting in God to take care of us. Um, he, we, um, we have three teenagers, 17, 15 and 13, that I'm now raising. Um, my husband was the main breadwinner,