You Can't Out Earn Bad Financial Behaviors
6/4/20262 hr 17 min
❓ Have a money question? Ask Ramsey is here to help. 📈 Are you on track with the Baby Steps? Get a Free Personalized Plan. Dave Ramsey and Jade Warshaw answer your questions and discuss: “My friend offered to pay off my $73,000 debt and become my lender—is this a good idea?” “I spent $10,000–$15,000 on Pokémon cards using a credit card and can’t sell them. What should I do?” “My mother-in-law wants us to help pay for her vacation home—should we help or walk away?” “I make $200,000 a year but still use credit cards to make ends meet. How do I stick to a budget and get out of this?” “My new job pays only a third of my previous income—should we downsize our house to make ends meet?” 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 📩 Email Dave On-Air With Your Questions on Debt and Finance 💵 Start your free budget today. Download the EveryDollar app! ❤️🩹 Get trusted insurance coverage that fits your budget 🏠 Get organized and prepared to buy or sell a home 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. Try Quo for free, plus get 20% off your first six months. Quo: no missed calls, no missed customers. 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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First 90 secondsDave Ramsey· Host0:01
This is an ad for BetterHelp. Stress from money problems doesn't just stay in your bank account, it shows up everywhere in your life. Talking to someone can help you sort it out. Go to betterhelp.com/ramsey to get 10% off. [gentle music] Brought to you by the EveryDollar app. Start budgeting for free today. [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 Dave Ramsey, your host. Thank you for joining us, America. We're so glad you're here. Jade Washaw, Ramsey Personality, number one bestselling author, is my co-host today. We're glad you're here. Open phone's at 888-825-5225. TJ starts us off in Kansas City. Hi, TJ, what's up?
TJ1:00
Hey, guys. I'm glad to have, uh, glad you have me on today. I'm doing good.
Dave Ramsey· Host1:06
Oh, we're honored to have you. How can we help?
TJ1:08
So, um, just in kind of a position where my family's living paycheck to paycheck kind of thing, and we've tried all kinds of stuff. We've gone through, uh, financial advisors and coaches at our banks and all that, and we're just hitting a wall where- Yeah ... we just feel stuck and know that