You Get To Decide Your Next Financial Step
4/20/20262 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 Ken Coleman answer your questions and discuss: “I have to leave the father of my kids and will be receiving $100,000—how do I use this money to start over?” “Am I making the right decision by walking away from a high-paying job to become a stay-at-home mom?” “My bank told me to take out a HELOC on my house to buy land—should I do it?” “I feel like I will never be able to get ahead financially—how do I get over this feeling?” “Should I file for bankruptcy?” 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 🎟️ The Ramsey Show Live Tour: Get Your Tickets! 📲 How much do you need to invest each month to retire a millionaire? 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 secondsKen Coleman· Host0:00
[upbeat music] Brought to you by the EveryDollar app. Start budgeting for free today.
Jade Warshaw· Host0:11
[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 Ken Coleman, thrilled to be alongside my friend, partner in crime today to help you. She is Jade Warshaw. The phone number is triple eight-825-5225. Triple eight-825-5225. Let's go to Taylor who starts us off in Miami, Florida. Taylor, how can we help today?
Taylor0:45
Hey, thank y'all so much for having me. I'm really excited to be here.
Jade Warshaw· Host0:49
Sure.
Taylor0:49
Um, I just got married last month, and I, my husband and I both are struggling to combine our finances 'cause of all of the moving parts, and we're looking for advice from y'all.
Jade Warshaw· Host0:59
What do you mean by all of the moving parts?
Taylor1:02
Okay, so one issue I have is I'm a contingent worker. So some weeks with the job that I have, I only bill for a four-day week, and some days I bill for a seven-day week, which means my base income a month could be $4,400 or it could be $7,600.
Jade Warshaw· Host1:18
Okay.
Taylor1:18
And it's contingent on, uh, for compliance reasons I c- I'm, I don't wanna say publicly- That's fine ... but, um- You just have an irregular income. Yes, it's irregular, but usually the base amount I make is 4,400,