Own Your Choices, Starting Now
4/24/20262 hr 13 min
❓ Have a money question? Ask Ramsey is here to help. 📈 Are you on track with the Baby Steps? Get a Free Personalized Plan. Jade Warshaw and Dr. John Delony answer your questions and discuss: “We’re struggling to pay off a car loan with a 30% interest rate—what should we do?” “My girlfriend is irresponsible with money. How do we work through this before moving in together?” “Should we pay my father-in-law’s mortgage?” “How do we determine the best car insurance coverage for our two teenagers?” “Should I buy a new house or rebuild my house that burned down?” 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. 💵 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
Clips
Transcript preview
First 90 secondsDave Ramsey· Soundbite0:00
[gentle music] Brought to you by the EveryDollar app. Start budgeting for free today.
Jade Warshaw· Host0:08
[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, Dr. John Delony. We are taking calls from you all hour long. We're headed out to Seattle, Washington, where we have Shelby on the line. Hey, Shelby, what's going on? How can we help today?
Speaker 20:32
Hi. Um, yes, I'm just calling and wondering if the way my fiance is splitting the finances with us, with me, um, is the right way.
Jade Warshaw· Host0:42
[laughs] Okay.
John Delony· Co-host0:43
I can already tell this is gonna be a fun call, Shelby.
Jade Warshaw· Host0:47
[laughs] Yeah, tell us about, tell us about the r- the right way- Wait, hold, hold on ... that he has it split now.
John Delony· Co-host0:52
Have you listened to our show before?
Speaker 20:53
Yes, I have, and I actually listen to you guys always. And John, like, Jade and John, I f- I follow you guys religiously, so yes.
John Delony· Co-host1:02
[laughs] Okay, so whatever answer we give you, same team, right?
Speaker 21:04
Yes.
John Delony· Co-host1:05
[laughs] Okay. All right, good. [laughs] All right. Let it rip.
Speaker 21:08
[laughs] Uh, so long story short, I'm, my fiance are a blended family. Um, we do own a home together. Um, I have three kids. He has one. I, my ex, who passed away, uh, years ago, left me in a financial situation where I did have to file bankruptcy before I got to my