Short-Term Sacrifice Leads to Long-Term Financial Freedom
5/19/20262 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 Rachel Cruze answer your questions and discuss: “We’re getting married in 12 days—how do we combine finances and tackle our debt together?” “I make $120,000 a year but I hate my job, what should I do?” “How can I own a home in the future when the odds are stacked against me?” “Should we let our in-laws give us their home?” “How do I financially plan for long-term healthcare?” 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 🦸 For help with investing, get connected with a SmartVestor Pro 🧠 Learn more about the 21st Century ROAD to Housing Act vote: https://thehill.com/homenews/house/5878003-house-bipartisan-housing-bill/ https://www.house.gov/representatives/find-your-representative 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 secondsDave Ramsey0:02
This is an ad for BetterHelp. May is mental health awareness month, and it's a good reminder that money problems take behavior change. Talking to someone can help you make progress. Go to betterhelp.com/ramsey to get 10% off. [gentle music] Brought to you by the EveryDollar app. Start budgeting for free today.
Rachel Cruze· 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, and I'm Rachel Cruze hosting this hour with my co-host of Smart Money Happy Hour and bestselling author George Kamel.
George Kamel· Host0:47
We're pre-gaming, 'cause we're actually filming Smart Money Happy Hour right after the show.
Rachel Cruze· Host0:50
After the show, that's right. We usually do episodes, we tape them on Mondays, and when we get to host together, it's, it's the best.
George Kamel· Host0:56
Four hours with Rachel Cruze, that's a blessing.
Rachel Cruze· Host0:58
Oh, what a gift, George.
George Kamel· Host0:59
Let's help some people.
Rachel Cruze· Host0:59
You are welcome. You are welcome. All right, give us a call at 888-825-5225, and we're gonna start off with James in Denver, Colorado. Hi, James. Welcome to the show.
Speaker 31:10
Hey, guys. Thanks. Thanks for having me. I appreciate it. How are you doing?
Rachel Cruze· Host1:15
Hi, we're doing great. Thanks so much for calling in. How can we help?
Speaker 31:18
Yeah, so, um, I guess my question, I'm 33. I've been very diligent about saving since junior high. Um, I finally crossed