Stop Living Paycheck to Paycheck—Start Living With Options
4/22/20262 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 were scammed and lost $8,000, should we rebuild our savings or focus on other financial goals?” “Should I give my fiancé more time to become a successful business owner or move on?” “Getting a promotion at work requires me to take out a loan for a truck, what should I do?” “How do we factor in private school tuition for our kids?” “I have $85,000 in savings, when can I possibly retire?” 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 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 Ramsey· Soundbite0:00
[upbeat music] Brought to you by the EveryDollar app. Start budgeting for free today.
John Delony· 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. I'm John Delony, joined by Jade Warshaw, and we are taking your calls live, [888] 825-5225. Let's go out to Pittsburgh, Pennsylvania, and talk to Lauren. Hey, Lauren, what's up?
Speaker 20:36
[upbeat music] Hi, thank you so much for taking my call.
John Delony· Host0:40
Of course. Thanks for calling in. What's going on?
Speaker 20:42
So I'm, uh, looking for some help prioritizing a few big financial moves all at the same time. Um, just to kind of condense it, my husband and I have about 35,000 in credit card debt, um, a mortgage with about 193,000 remaining on our townhouse, and I have about $28,000 in single stocks and a baby due in October.
John Delony· Host1:09
Congratulations.
Speaker 21:10
Um, [laughs] thank you. So we've outgrown our current townhouse, and hoping to sell, um, and buy something potentially next spring, but I just started listening to the podcast, and I know the Baby Steps say to stop investing and pay off debt before saving for a house. But in our case, the timeline kind of overlaps because of the baby.