Stop Letting Emotions Drive Your Money Decisions
4/30/20262 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 Rachel Cruze answer your questions and discuss: “My husband keeps bailing out his parents’ failing business—how do I get him to stop?” “I’ve filed for bankruptcy three times and will be receiving a large settlement; how do I avoid making the same mistakes again?” “Our contractors want $25,000 over the original estimate for a roof replacement. Should we fight this?” “My family is angry that my grandmother made me the sole beneficiary of her will. Should I fight them for what is mine?” “I struggle to stick to the Baby Steps due to emotional spending—how do I overcome this and gain control of my finances?” 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 🛡️ Get trusted insurance coverage that fits your budget 💸 Find out how to adjust your tax witholding! 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 Ramsey0:00
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Rachel Cruze· Host0:09
[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 am Rachel Cruz hosting this hour with Jade Warshaw, and we are going to be answering your questions. So give us a call at 888-825-5225. The phone lines are open, and we are ready to talk about your life and your money. So we're gonna start off with Scott in Pensacola, Florida. Hi, Scott. Welcome to the show.
Speaker 20:47
Hey. How you doing?
Rachel Cruze· Host0:49
Hi. We're doing great. How can we help?
Speaker 20:51
Um, so I'm 20- I recently turned 21. I bought a house in December. Uh, I got married in January, and I got a kid on the way due in September.
Rachel Cruze· Host1:00
Whoa.
Speaker 21:01
Uh- Big, big life events, Scott.
Rachel Cruze· Host1:03
Doing it all.
Speaker 21:04
Oh, yeah. [laughs] Well, I got about, I owe $27,500 on a vehicle loan that I'm $10,000 upside-down on, and I got $10,500 on personal loans. I owe $1,900 on a four-wheeler that I've sold and paid as much as I could off what I sold it for onto. And then I got about- What was it, $1,900 on what? A four-wheeler. That's how much I got left.
Rachel Cruze· Host1:28
Okay.