Financial Chaos Doesn't Have to Define Your Future
6/16/20262 hr 15 min
❓ Have a money question? Ask Ramsey is here to help. 📈 Are you on track with the Baby Steps? Get a Free Personalized Plan. Dave Ramsey and Rachel Cruze answer your questions and discuss: “I inherited a property with a mortgage that I can't afford. What should I do?” “My husband says he won't pay off my student loans because I should've paid them before marriage.” “I have $131,000 of debt, I'm behind on my taxes, and I'm struggling to make payments.” “I have nothing saved for retirement. Should I sell my home to buy a mobile home and invest the difference?” “My financial advisor recommends tax-loss harvesting. Should I follow their advice?” 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 📩 Email Dave On-Air With Your Questions on Debt and Finance 💵 Start your free budget today. Download the EveryDollar app! 🏠 Get organized and prepared to buy or sell a home 🎟️ Get your ticket for Investing Essentials today! 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. Try Quo for free, plus get 20% off your first six months. Quo: no missed calls, no missed customers. Sign up for your $1.00/month trial at Shopify. 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 secondsDave Ramsey· Host0:02
[upbeat music] Brought to you by the EveryDollar app. Start budgeting for free today. [upbeat music] Normal is broken. 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. Rachel Cruze, number one bestselling author, Ramsey personality, co-host of Smart Money Happy Hour. My daughter is my co-host today. The phone number here is 888-825-5225. The call is free, and some say the advice is worth exactly what you pay for it. Chris is with us in Cedar Rapids, Iowa. Hey, Chris. What's up?
Chris0:46
Hi there. Thanks for taking my call. Um, my question is, is there some ways I can on my own prepare things financially to avoid as many complications should my husband pass away ahead of me? 'Cause he's pretty much kept me in the dark about a number of things, including financial specifics our whole married life.
Rachel Cruze· Host1:03
Okay, so- How, I, I, I'm sorry, how long have you been married?
Chris1:09
46 years.
Dave Ramsey· Host1:11
Oh, my goodness.
Rachel Cruze· Host1:12
And he's kept you in the dark purposefully 'cause you've asked to see things and he won't let you see it- Um- ... or he's just, you don't ask and he just takes care of it and that's how it's always been in your marriage?
Chris1:23
Um, it, it started out because we're family, it was a family business, a farm, and so with his parents, you know. And so I just,