You Don't Get Ahead By Coincidence
4/17/20262 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. Ken Coleman and Jade Warshaw answer your questions and discuss: “My mom trashed my credit score when I was a kid. Should I consolidate my debt to increase my credit score?” “My main water line burst and caused more than $40,000 of damage. How do I possibly pay for this?” “I’m about to receive a large settlement. How do I make sure I don’t blow all this money?” “I’m investing in UTMA accounts for my kids, but I’m worried about handing over a large sum of money to them at a young age.” “My parents have been supporting my grown brother financially. What should I do when they are gone?” 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 your copy of Stop Talking, Start Communicating today. 🛡️ 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. 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 secondsSpeaker 00:01
[upbeat music] Brought to you by the EveryDollar app. Start budgeting for free today.
Ken Coleman· Host0:08
[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. Alongside the fabulously incomparable Jade Warshaw, I'm Ken Coleman, and we're here for you. 888-825-5225 is the phone number to jump in, 888-825-5225. Partner, you ready to go?
Jade Warshaw· Co-host0:38
Let's go.
Ken Coleman· Host0:40
She's ready. Denise is joining us in Toronto. Denise, how can we help today?
Denise0:44
Hello, thank you so much for taking my call.
Ken Coleman· Host0:47
Sure.
Denise0:47
Um, my question, I am needing help to create financial stability when I'm starting over in life at the age of 51, and I'm in a difficult situation going through a divorce, and I feel like I don't have time to waste with taking f- steps forward financially, and so I need a plan. Um, I'm guessing you need more information than that.
Ken Coleman· Host1:15
[laughs] Yeah, so let's start with- Yeah ... are you employed?
Denise1:18
I am employed, yes.
Ken Coleman· Host1:19
How much do you make?
Denise1:20
So I make 45,000 a year, which after taxes where I live, um, comes out to be about 2,500 a month.