Stop Starting Over and Break the Cycle for Good
5/26/20262 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. Rachel Cruze and George Kamel answer your questions and discuss: “My husband wants to separate our finances as we restart the Ramsey plan for the fourth time—what should I do?” “I’m $37,000 in debt, living off cash advance apps, and can’t seem to get out of this cycle. How do I break free?” “I make good money, but everything still feels out of reach. What am I doing wrong?” “I’m $70,000 in debt—should I pay off my collections bill or keep trying to settle the debt?” “I make $50,000 a year—can I finance a $300,000 store?” 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 📲 Figure out how much you'll have in retirement with our Investment Calculator 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 secondsGeorge Kamel· Host0:02
This is an ad for BetterHelp. The time to fix your budget is before you're in debt, and the time to deal with stress is before it becomes a crisis. Talking to someone can help you find a path forward. Go to betterhelp.com/ramsey to get 10% off. Brought to you by the EveryDollar app. Start budgeting for free today.
Rachel Cruze· Host0:26
[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 at this hour with good friend and my co-host this morning, how are you George Kamel?
George Kamel· Host0:49
Excited to be with you.
Rachel Cruze· Host0:50
Always fun, George.
George Kamel· Host0:52
New hairdo, by the way. If you're watching on YouTube, I wanna call it out. The extensions are gone, if you've been following the journey of Rachel's hair.
Rachel Cruze· Host0:58
Chopped, we chopped the hair. I change my hair every six months, so yeah, this is, this is the new and improved. We'll see.
George Kamel· Host1:02
I look the same as I did four years ago.
Rachel Cruze· Host1:04
[laughs] George doesn't change a bit.
George Kamel· Host1:06
A man of consistency.
Rachel Cruze· Host1:07
Always predictable, George Kamel. So yeah, give us a call at 888-825-5225 'cause our advice is as predictable as George Kamel's looks, so, uh- There we go ... here we go.
George Kamel· Host1:18
Full circle.
Rachel Cruze· Host1:18
All right. Let's go to Hannah in New York City. Hi, Hannah. Welcome to the show.
Hannah1:23
Hi, Rachel and George. Thanks for having me.
Rachel Cruze· Host1:26
Absolutely. How can we help?
Hannah1:28
Okay,