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Stop Letting Excuses Keep You Broke

7/21/20262 hr 7 min

📈 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Are you on track with the Baby Steps? Get a Free Personalized Plan.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

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Jade Warshaw Dr. John Delony answer your questions and discuss:

  • “Should we use a credit card to pay for a $100,000 septic tank repair when we’re already deep in debt?”
  • “My boyfriend wants us to pay off his debt once we’re married and put his name on my house. Is this a bad idea?”
  • “Is it a good idea to take out $80,000 in student loans so my wife can triple her income?”
  • “We are making good money but we hate our jobs. How long do we have to keep this up?”
  • “The only school in my area offering the course I want will cost $136,000. I want to do it but my husband thinks it’s a bad idea.”

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Clips

No-Excuses Tough Love
Let Kids Live Rent-Free
Jeans & Bad Investments
Lifeguard Stand Analogy
Analog Lessons For Kids

Transcript preview

First 90 seconds

  1. Speaker 10:02

    [gentle music] Brought to you by the EveryDollar app. Start budgeting for free today.

  2. John Delony· Host0:08

    [upbeat music] Normal is broken, 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 John Delony, joined by Jade Warshaw, taking your calls live. Let's go out to Fort Myers, Florida, and talk to Martha. What's up, Martha?

  3. Martha0:31

    Yes, hi.

  4. John Delony· Host0:34

    How we doing?

  5. Martha0:34

    I'm doing great. Thank you so much for taking my call.

  6. John Delony· Host0:37

    You got it. What's going on?

  7. Martha0:39

    Okay. So, um, I've been watching your show, um, for many years, but just recently me and my husband, we're kind of fed up with the way we've been living, and we are trying to make a lot of changes. And it just seems like we're being thrown curve balls now that we're trying to get our lives on track with money. Um, everything's coming up. I, I mean, there's a lot of things coming up, but one thing that's staring us in the face right now is our septic tank. Um- Oh ... it's failing. Yeah, and it's backing up, and we're having a lot of issues, uh, trying to make sure that we're, you know, providing a sanitary area for our kids to live. We have five kids, and my husband is the only one currently working full time, and I'm trying to find odd jobs, um, you know, to cover some credit card debt that we have. But I, I got a job at a hospital, and I'm starting my orientation in August, but I need money now.

  8. John Delony· Host1:29

    Yeah.

  9. Martha1:29

    And

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