Wise Money Decisions Start With Clear Priorities
6/25/20262 hr 7 min
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Dave Ramsey and Rachel Cruze answer your questions and discuss:
- “How can I afford a house when I'm budgeted down to the dollar?”
- “We're struggling to combine finances after being married for 19 years.”
- “Should we refinance our house to buy an investment property?”
- “How much should I budget for a wedding ring while paying off debt?”
- “Should I pay for online courses to try to get a pay raise?”
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Clips
Transcript preview
First 90 secondsDave Ramsey· Host0:00
[upbeat music] Brought to you by the EveryDollar app. Start budgeting for free today. [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. Rachel Cruze, Ramsey personality, number one bestselling author, co-host of the Smart Money Happy Hour. My daughter is my co-host today. Open phones at 888-825-5225. Philip is in Los Angeles. Hi, Philip, how are you?
Philip0:40
Hello, I'm okay. How are you?
Dave Ramsey· Host0:43
Better than I deserve. What's up?
Philip0:44
Well, I'm having difficulty staying away from new debt, and I'm on baby step number two, and I'm having difficulty with budgeting.
Rachel Cruze· Host0:52
Okay, Philip, if- Those would go together.
Dave Ramsey· Host0:55
That makes sense.
Rachel Cruze· Host0:56
Yeah. Is it any, any type of, like, business debt or all consumer debt in your household that you're trying to stay away from?
Philip1:01
Consum- consumer.
Rachel Cruze· Host1:03
Okay. Any specific type that you find yourself in a lot?
Philip1:08
Um, credit cards and medical.
Rachel Cruze· Host1:12
Medical and credit cards. What's going on with the medical?
Philip1:15
Oh, my, uh... Well, just having difficulty with the co-pays and doctors and dentists and things like that.
Rachel Cruze· Host1:24
Okay. More just routine type medical things, or is there an ongoing sickness or