Following a Proven Plan Is the Fastest Way To Build Wealth
6/15/20262 hr 17 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 Dr. John Delony answer your questions and discuss: “My husband was hiding over $100,000 of debt from me, should we take out a HELOC to pay it off?” “My parents are terrible with money and expect me to help them in retirement, where do I draw the line?” “We don’t know how to start the Baby Steps and remain disciplined.” “Should we be supportive of our daughter wanting to move out of our home?” “My husband had open heart surgery last year, can we afford to retire him early for his health?” 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 🦸 For help with investing, get connected with a SmartVestor Pro 🏢 Join the Crusade! Apply Now! 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· Host0:01
[upbeat music] Brought to you by the EveryDollar app. Start budgeting for free today. [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. Dr. John Delony, number one bestselling author, host of The Dr. John Delony Show, Ramsey personality, he's my co-host today. Open phone's here at 888-825-5225. The call is free, and some say the advice is worth exactly what you pay for it. Joshua is in Dallas. Hi, Joshua. How are you?
Joshua0:47
Oh, I'm more blessed than stressed. How are y'all?
Dave Ramsey· Host0:51
Just the same, sir. How can we help?
Joshua0:52
Well, uh, first of all, I just wanted to say, um, that my wife and I actually, back in 2022, uh, stopped by The, The Ramsey Show, watched y'all live, and it was you and John. And man, y'all were, were just the kindest people, and you left a, a huge impact on, on me and my family. And so- Well, thank you ... uh, I'm excited to- I don't think anyone's ever called us kind.
John Delony· Host1:14
That was awesome. Thanks, man.
Joshua1:15
Yeah, absolutely. Um- Maybe John, but not me. Well, my, my wife and I have about $297,800 in debt, and our, um, expenses are about