Rock Bottom Doesn’t Have to Define Your Financial Future
5/7/20262 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. George Kamel and Dr. John Delony answer your questions and discuss: “My 12-year-old son has his own YouTube channel and is set to earn $5,000 a month. How do I help him manage this money?” “My husband is hiding part of his paycheck and spending money behind my back. Am I right to feel angry about this?” “I own a home with my ex-stepfather. How do I get out of this?” “I’m stuck working a job I hate. How do I get out of this?” “What should I do with my finances after my divorce wrecked my income?” 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
Clips
Transcript preview
First 90 secondsJohn Delony· Co-host0:02
This is an ad for BetterHelp. If you've ever said, "I'm not in crisis, so I don't need therapy," I want you to reconsider. The time to take care of your mental health is before things fall apart, and talking to someone can help. Get started at betterhelp.com/ramsey and save 10%.
Dave Ramsey0:17
[gentle music] Brought to you by the EveryDollar app. Start budgeting for free today.
George Kamel· Host0:24
[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 George Kamel, joined by my friend, Dr. John Delony, and we're taking your calls at 888-825-5225. Steve is gonna kick us off in Hartford, Connecticut. What's going on, Steve?
Speaker 30:53
Hey, how's it going?
George Kamel· Host0:55
Doing great. How are you?
Speaker 30:56
Oh, hanging in there.
George Kamel· Host0:59
What's your problem today? What's going on?
John Delony· Co-host1:01
[laughs] What? Gee- geez, George.
George Kamel· Host1:03
What's your deal, man?
John Delony· Co-host1:04
Hey, Steve, what's your problem?
George Kamel· Host1:05
Unless you just wanna celebrate a win today.
John Delony· Co-host1:08
No, what's up, man?
Speaker 31:09
So- so I'm in an interesting situation. Uh, back in 2018, I had, uh, purchased a house, uh, with my stepfather at the time, um, and it seemed like a good idea. We were splitting the- the percentages. It was gonna get me into a house, uh, a little bit sooner. I had a growing family, uh, and they were supposed to only be there six months out of the