The Dave Ramsey Show

By Ramsey Solutions

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Ed Frizzell
 Jul 22, 2018
I have been listening to Ramsey Solutions broadcasts/podcadts for over 10 years. The podcasts are very informative and helpful. I highly recommend.

Description

The Dave Ramsey Show is about real life and how it revolves around money. Dave Ramsey teaches you to manage and budget your money, get out of debt, build wealth, and live in financial peace. Managing your money properly will reduce stress, improve your marriage, and provide security for you and your family.

Episode Date
How to Budget for Quarterly Taxes (Hour 3)
39:29

Dave answers questions from across America about your life and your money. Featured Question: A small-business owner asks how to determine what she should be setting aside to pay quarterly taxes. Listen as Dave explains how to set up business accounts to plan for this expense. DEBT-FREE SCREAM:  A couple in North Carolina visits the show to share how they paid off $119,500 in less than 2 years!

 

Calls this Episode:

  • I'm scared to take money out of savings to pay off my car.
  • Can we put our tithe into a 503(b) giving fund?
  • We're newlyweds, and I want to sell the car my wife's parents gave her, but she's not on board.
  • Should we sell our house to pay off debt?
  • We bought a car we can't afford, but our car seats won't fit in it!
  • How much do you recommend I set aside to start my own bookkeeping business?
  • Can you explain mutual funds to me?

  

Also Mentioned on the Show:

  

Thanks for listening!

 

Using Google Play? Here are links to the resources mentioned above:

Aug 17, 2018
Feel-Good-Friday Decisions Will Leave You Broke (Hour 2)
39:56

"Broke people make decisions based on what feels good Friday and rich people make decisions on what feels good a decade from now." — Dave

 

Dave answers questions from across America about your life and your money. Featured Call: A truck driver in Arkansas calls Dave frustrated because his truck keeps needing repairs and he can't get ahead. Listen as Dave helps him set aside his emotions and assess the situation logically: "100% of the time that I get desperate, right after I get desperate I get stupid."  DEBT-FREE SCREAM: A couple in Washington, D.C., calls Dave to share what motivated them to pay off $58,000 in just 2 years: "I was so tired of being scared." 

 

Calls this Episode:

  • I don't want to get a loan, but my truck repairs keep using my emergency fund.
  • Is it okay for me to quit my job and start teaching cello?
  • Should I take a second full-time job to attack my debt and save for my kid's college fund?
  • Should I pay of debts with a higher interest rate first?
  • How can I find tenants for my office space?
  • Do we need to stop contributing to our 401(k) while we pay off debt?
  • I'm tired of having student loans. Should I sell my house and live in a cheap trailer to pay them off?

  

Also Mentioned on the Show:

 

Thanks for listening!

 

Using Google Play? Here are links to the resources mentioned above:

Aug 17, 2018
You Need a Set Path for Your Career (Hour 1)
39:29

 

"You need to decide what your desired future is . . . then that will tell you—almost automatically—what the the steps are to get there." — Dave

 

Dave answers questions from across America about your life and your money. Special Guest: Retirement expert and Ramsey Personality Chris Hogan joins Dave in studio to talk about an extensive study the Ramsey Research Team launched to figure out exactly what over 10,000 net-worth millionaires did to win with money. "Getting out of debt is the prerequisite to building wealth." — Dave  Featured Call: A 20 year-old Walmart associate asks Dave for advice because he doesn't have a clear plan for his future, but he doesn't think college is the right choice for him. MINI DAVE RANT: Dave sets the record straight on why he doesn't dance around the truth when people call him for advice: "I'm not going to participate in your insanity that's going to bring you harm. I'm going to be a truth-teller in your life because I care about you and want you to win." 

 

Calls this Episode:

  • I feel stuck by my debt. What can I do to get control of my money problems?
  • Should we sell our house to help get rid of $300,000 in debt?
  • Was it a bad idea for me to use a company car allowance to buy a Denali?
  • Can you settle a dispute between me and my husband about whether to pay off our mortgage in Baby Step 2.
  • Should I move my deferred comp account?
  • What's the best way to bring up our money problems with my wife?

 

Want to Hear More From Chris Hogan? 

 

Also Mentioned on the Show:

 

Thanks for listening!

 

Using Google Play? Here are links to the resources mentioned above:

Aug 17, 2018
Respecting Family Boundaries (Hour 3)
39:22

"It sounds like maybe in the past your mom has motivated her grown children with guilt trips." — Dave

 

Dave answers questions from across America about your life and your money. Featured Call: A woman in Minneapolis asks whether they should set aside a separate emergency fund for family in Nicaragua who keep asking for money. Listen as Dave discusses the cultural and economic differences between America and other parts of the world, and gives practical advice on when to help and when to say no. DAVE RANT: Dave responds to a Twitter post about how to motivate your employees to care: "I don't. I hire motivated people."  Follow @DaveRamsey on Twitter to leave your own question for Dave.

 

Calls this Episode:

  • How can I get my mom to be responsible with money?
  • I'm not sure how to pay $30,000 for fertility treatments.
  • Should we say no to family asking for money?
  • Is it smart to participate in student loan forgiveness programs?
  • Should I sell my car or keep it and pay it off?
  • When should I give up fighting for my mom's estate?

  

Also Mentioned on the Show:

  

Thanks for listening!

 

Using Google Play? Here are links to the resources mentioned above:

Aug 16, 2018
When You Feel Defeated by Debt (Hour 2)
39:29

"You have to stop saying what you FEEL like and say what you're going to do." — Anthony

 

Ramsey Personalities Chris Hogan and Anthony ONeal answer questions from across America about your life and your money and respond to an Instagram post from a woman who feels like she'll never be able to get all of her credit card debt paid off. Follow Dave Ramsey on Instagram to post your own question! Featured call: I financed a mattress. Should I pay half of it off before I save my full emergency fund? Listen as Chris coaches him to take responsibility for his debt: "Is that mattress comfortable?!"  Shout Out: Chris and Anthony remember Aretha Franklin. 

 

Calls this Episode:

  • Should I take a semester off school to pay down my student loans? 
  • Is it better for me to use half of my bonus check to pay off a mattress I financed?
  • We have $90,000 in debt, only make $54,000, and can't stay motivated.
  • How should my mom invest the money she made off a home sale?
  • Should I roll my 403(b) over to a Roth IRA?
  • Are mutual funds or IRAs a better investment?

 

Want to Hear More From Chris Hogan? 

  

Want to Hear More From Anthony ONeal? 

 

Also Mentioned on the Show:

 

Thanks for listening!

 

Using Google Play? Here are links to the resources mentioned above:

Aug 16, 2018
Advice on How to Buy a Diamond Engagement Ring (Hour 1)
40:05

"I've been buying diamonds for Sharon for 35 years, and they have yet to go up in value." — Dave

 

Dave answers questions from across America about your life and your money. Dave on Social: Dave responds to a Twitter post about bank overdrafts. Follow @DaveRamsey on Twitter to leave your own question for Dave. Featured call: A young man in Nebraska asks if he should wait until he's paid off all his debt before he buys a ring for his fiancée. Listen as Dave gives common sense advice on how to choose a ring and how much to spend.

 

Calls this Episode:

  • I need help understanding PMI percentages. 
  • What's the first step in combining finances when I get married?
  • Should I switch from a traditional 401(k) to a Roth IRA?
  • What's the quickest way to get out of debt without using my savings?
  • How do I choose which mutual fund company to go with?
  • Can I save for an engagement ring while paying off debt?

  

Also Mentioned on the Show:

 

 Thanks for listening!

 

Using Google Play? Here are links to the resources mentioned above:

Aug 16, 2018
Are You Feeling Stuck in a Job You Don't Love? (Hour 3)
39:59

Ramsey Personalities Ken Coleman and Christy Wright answer questions across America about career and business. Featured call: A teacher wants to start a business that will enable him to hire his graduating students but doesn't know where to start. Listen as Christy gives him practical advice on what steps to take toward a solid business plan.

 

Calls this Episode:

  • My husband feels stuck in his job of 12 years. What should he do to get hired at another company?
  • How do I recover after a failed business attempt?
  • My wife used credit cards to start a business and it's not profitable.
  • What's the best way to start a business?
  • I think I made a mistake quitting my job to go into business with my father.
  • What questions should I ask during an interview?

 

Want to Hear More From Ken Coleman? 

 

Want to Hear More From Christy Wright? 

 

Also Mentioned on the Show:

 

Thanks for listening!

 

Using Google Play? Here are links to the resources mentioned above:

Aug 15, 2018
Anyone Can Win With Money (Hour 2)
39:51

"Anyone can win. There's an element of taking personal responsibility . . . " — Dave

 

Dave answers questions from across America about your life and your money. Retirement expert Chris Hogan and Dave chat about what it's like to live paycheck to paycheck and how anyone can turn it around and become a millionaire: "Debt is a thief. It steals from your now, but it also steals from your later." — Chris Hogan

 

Calls this Episode:

  • A homeless man calls Dave to thank him for giving him HOPE.
  • I'm losing my job. Should I start a business?
  • Should I pay down my wife's student loan debt?
  • Are prepaid debit cards a smart tool for kids?
  • What's the best way to pay off the house early?
  • How can I get my job application noticed?

  

Also Mentioned on the Show:

 

Want to Hear More From Chris Hogan? 

 

Thanks for listening!

 

Using Google Play? Here are links to the resources mentioned above:

Aug 15, 2018
Is Bankruptcy the Answer to Your Money Problems? (Hour 1)
39:59

"Student loan debt is not bankrupt-able." — Dave

 

Dave answers questions from across America about your life and your money and gives his advice on choosing a home. Featured call: A young lady in Texas is barely making it on only $19,000 and is overwhelmed by the amount of debt she has. Dave gives specific advice on how to take control of her situation without declaring bankruptcy: "You really don't have a debt problem. You have an income problem." Social Media: Dave is asked whether he gets tired of asking the same questions over and over. Listen to his honest reply and visit Dave's Facebook page to leave your own question for Dave.

 

Calls this Episode:

  • Should I declare bankruptcy?
  • How do I handle suing my ex for being in contempt of court?
  • What should I do with an insurance settlement?
  • Should I pay off my rental property or sell it?
  • Is investing in a franchise a smart idea?

  

Also Mentioned on the Show:

Thanks for listening!

 

Using Google Play? Here are links to the resources mentioned above:

Aug 15, 2018
Understanding Your Home Insurance Policy (Hour 3)
39:57

"If you don't like what the contract says, the suggestion is—as an adult—you shouldn't sign it." — Dave

 

Dave answers questions from across America about your life and your money and gives his advice on choosing a home. Featured call: A guy in Texas is upset with his insurance broker for the policy he chose. Dave cuts to the chase to explain that the policy isn't the problem! Listen to his advice on how to avoid the confusion in the future. DEBT-FREE SCREAM: A couple from Ohio visits the studio to share how they saved their marriage and paid off their mortgage. 

 

Calls this Episode:

  • What size house should we buy?
  • Can I get my insurance company to give me more money for my roof?
  • Is it wise to invest my disability income?
  • Should I cash out my IRA to pay off credit cards?
  • Is $35,000 too much money to spend on a new car?
  • How can we afford to pay my mother-in-law back for my wife's student loans when we have other debt?

  

Also Mentioned on the Show:

 

Thanks for listening!

 

Using Google Play? Here are links to the resources mentioned above:

Aug 14, 2018
Where Should I Keep My Will? (Hour 2)
39:59

 

"If you don't have a will then the state gets to make decisions for you." — Chris Hogan

 

Retirement expert Chris Hogan answers questions from across America about your life and your money. Featured call: A young dad asks Chris who he should give copies of his will to. Listen to Chris explain the best way to secure important legal documents. This call leads to a CHRIS RANT about protecting yourself and your family by getting a will. Chris explains what a FICO score really is and why you don't need one!

 

Want to Hear More From Chris Hogan? 

 

Calls this Episode:

  • What should I do with the money I get when I sell two homes? 
  • How do I store my will and legacy documents?
  • Should I build my credit with Self Lender so I can buy a mobile home?
  • What can I do with extra college scholarship money?
  • How should I handle my 457(b) investment?
  • What's the best way to balance time with family and taking on extra jobs to get out of debt?

  

Also Mentioned on the Show:

 

Thanks for listening!

 

Using Google Play? Here are links to the resources mentioned above:

Aug 14, 2018
The Truth About Student Loan Deferment (Hour 1)
40:06

"The word 'deferment,' y'all—all you're doing is delaying the inevitable." — Chris Hogan

 

Ramsey Personalities Chris Hogan and Anthony ONeal answer questions about your life and your money. Featured call: A man with over $200,000 in student loans asks if it's okay to start investing for retirement before paying off the debt. Chris and Anthony discuss the best way to attack loans and why you shouldn't keep putting it off with student loan deferment.

 

Want to Hear More From Chris Hogan? 

 

Want to Hear More From Anthony ONeal? 

 

Calls this Episode:

  • Should we pay off our student loans before saving for retirement?
  • What should I do with the $125K I've saved?
  • Is it wise for us to sell our house and downsize?
  • How do I start over financially as a single mom?
  • What's the best way to pay my bills on a tight budget?
  • Should I take out a loan for nursing school?

  

Also Mentioned on the Show:

 

Thanks for listening!

 

Using Google Play? Here are links to the resources mentioned above:

Aug 14, 2018
How to Turn Your Business Dream Into a Reality (Hour 3)
39:57

"You're going to be the most successful when you start with what you have." — Christy

 

Retirement expert and Ramsey Personality Chris Hogan takes calls from across America about your life and your money. Business Boutique creator Christy Wright joins Chris in the studio. Featured Call: An entrepreneur asks Christy for help deciding how big or small to launch her business. Listen as Christy encourages her to start with building trust by getting experience wherever she can: "Starting out, get your core program going and that will help you learn the market." — Christy

 

Calls This Episode:

  • How should I start attacking my debt?
  • Who is the best market for my business?
  • Should I sell my car?
  • Which side business should I invest my time in?
  • Do I need long-term disability insurance?
  • Should I grow my sales business or become a sales rep for a national company?
  • Can I cash out an inherited IRA to pay off student loans?

 

Want to Hear More From Chris Hogan? 

 

Want to Hear More From Christy Wright? 

 

Also Mentioned on the Show:

 

Thanks for listening!

 

Using Google Play? Here are links to the resources mentioned above:

Aug 13, 2018
I Have Credit Cards Because I Can't Find My Scissors (Hour 2)
39:56

"She tells me she can't find her scissors. I think she's lying to me. We're going to deal with it." — Chris

 

Retirement expert and Ramsey Personality Chris Hogan takes calls from across America about your life and your money. Featured Call: A woman calls Chris with a mortgage question, then admits she still has credit cards. Listen as Chris coaches her to overcome her fear of cutting up her credit cards: "We've got to remove this false sense of security they're giving you . . . when we think different, we can start doing some things differently." 

 

Calls This Episode:

  • When do I pay my deferred mortgage principal?
  • Should I move my TSP to a Roth?
  • What should we do about the inflated housing market?
  • Should I be saving to pay off my mom's debts?
  • Is it better for us to buy a smaller house or rent?
  • What should I do if I can't afford my car?
  • Is it okay to take out a mortgage on a house we can't afford to pay cash for?

 

Want to Hear More From Chris Hogan? 

  • Listen to The Chris Hogan Show.
  • Read Retire Inspired: It's Not An Age; It's a Financial Number
  • Attend the Smart Money event to see Chris in person.
  • You Can Become an Everyday Millionaire. Read Everyday Millionaires to learn how to create a solid plan for your money.   

 

Also Mentioned on the Show:

 

Thanks for listening!

 

Using Google Play? Here are links to the resources mentioned above:

Aug 13, 2018
When Should Couples Talk About Money? (Hour 1)
40:00

"If you are in agreement on these 4 areas, you have a very high probability of a successful marriage." — Dave

 

Dave opens this episode with a call from someone who has been dating a new guy for a month and wants to know when to bring up money and debt. Listen as Dave explains when and how you should discuss money and 3 other key areas before getting engaged: "If it's serious enough to talk about whether you'd have kids when getting married, it's serious enough to talk about money." — Dave Retirement expert Chris Hogan joins Dave in studio to chat about the lies people believe about what it takes to become a millionaire. DEBT-FREE SCREAM: A family in Washington calls the show to share how they paid off $92,000 in just over 2 years: "It's absolutely crucial that both parties are on board and you talk through the good and the bad, knowing that it's not going to be perfect right out the gate."

 

Calls This Episode:

  • When do I bring up finances with the guy I'm dating?
  • How much life insurance do I need?
  • Should I stay on the income-based repayment for my student loans?
  • Should I sell both vehicles and upgrade to a better truck?

 

Want to Hear More From Chris Hogan? 

 

Also Mentioned on the Show:

 

Thanks for listening!

 

Using Google Play? Here are links to the resources mentioned above:

Aug 13, 2018
Some Say Millennials Can't Handle Money (Hour 3)
39:55

"It's not a millennial disease. It's a stupid people disease, and there's stupid people in every generation." — Dave

 

Dave opens this episode with a classic DAVE RANT in defense of millennials: "You don't have to have a long beard and skinny jeans to do stupid stuff." DEBT-FREE SCREAM: A couple in Minnesota calls the show to share their story: "It's the little things that add up. That money can be put toward the debt."

 

Calls This Episode:

  • What should I look for in an insurance company?
  • How much should I be contributing to our college fund?
  • Is cashing in an insurance policy taxable income?
  • Should I go back to school so I don't have to drive trucks?

  

Also Mentioned on the Show:

 

Thanks for listening!

 

Using Google Play? Here are links to the resources mentioned above:

Aug 10, 2018
Living Paycheck to Paycheck Is Scary (Hour 2)
39:52

"'Someday' is not on the calendar. This is the day you get serious about your financial future. The only way for your kids to have better is for you to do better." — Chris Hogan

 

Retirement expert and Ramsey Personality Chris Hogan and Dave celebrate the pre-sale release of his new book, Everyday Millionaires: How Ordinary People Built Extraordinary Wealth—and How You Can Too! DAVE RANT: If your financial advisor is a condescending little twerp, fire them! DEBT-FREE SCREAM: A young couple from Canada visits the show to share their story: "It was more than worth it . . . when you are in control of your things instead of your things are in control of you."

 

Calls This Episode:

  • Should we listen to my financial planner and use my inheritance to invest instead of paying off the rest of our debt?
  • If I can't afford child care, should I quit my job?
  • How can I change my career without starting out at entry-level pay?

 

Want to Hear More From Chris Hogan? 

 

Also Mentioned on the Show:

 

Thanks for listening!

 

Using Google Play? Here are links to the resources mentioned above:

Aug 10, 2018
How Long Does It Take to Become a Millionaire? (Hour 1)
40:02

"You can do it. You just have to do it." — Dave Ramsey

 

Dave takes calls and answers your questions about life and money. Featured call: A 22-year-old asks for investing advice so he can get the wheels rolling on a strong financial future. Listen as Dave explains to this future millionaire the best way to invest in mutual funds. A couple from Kansas City visits the show to share how they paid off $300,000 after going through Financial Peace University! 

 

Caller Questions:

  • How can I start investing so I can avoid getting into debt?
  • How much money should go into each of our savings funds?
  • Where should I put an inheritance my son received?
  • Should I invest to get the match while I'm in debt?
  • Can we skip paying off debt to save for gaps of income?

 

Also Mentioned on the Show:

 

Thanks for listening!

 

Using Google Play? Here are links to the resources mentioned above:

Aug 10, 2018
Debt Is Normal, But Normal Doesn't Work (Hour 3)
39:51

 

"Getting out of debt is not an intellectual exercise. It's an emotional event." — Dave

 

Dave answers questions across America about your life and your money. Featured call: A man in California wants to know the best way to use savings to slash down some debt. Dave coaches him to focus on the goal and use the Baby Steps to knock it out fast. A woman travels to the show all the way from Pennsylvania to do a DEBT-FREE SCREAM! 

 

Calls this Episode:

  • Which debts should I pay off first with my savings?
  • Should I give money to my coworker?
  • Can I contribute to retirement while we still have debt?
  • Do I need to put 15% in retirement since I have a pension?
  • How do I handle debts in collections?
  • What can I do to help my wife get on board with our goals?

  

Also Mentioned on the Show:

 

Thanks for listening!

 

Using Google Play? Here are links to the resources mentioned above:

Aug 09, 2018
Reasons You Should Get a 15-Year Mortgage (Hour 2)
39:55

"When you make good financial decisions, they are defined not as what feels good today, but what causes you to build wealth over the long term." — Dave Ramsey

 

Dave takes calls and answers your questions about life and money. Featured call: We can't afford a 15-year mortgage, so would it be okay to get a 30-year mortgage instead? A family in California calls the show to do their DEBT-FREE SCREAM after reading The Total Money Makeover and taking on extra jobs to find total freedom!

 

Caller Questions:

  • What's the best way to get started in real estate?
  • Am I too old to start a landscaping business?
  • Can we get a 30-year mortgage if we can't afford a 15-year?
  • Which Ramsey curriculum is best for high school students?
  • Should I roll my 401(k) into a Roth IRA and pay the taxes?
  • Is it time to replace our broken down car?
  • Should I use an insurance payout to pay down my mortgage or replace the roof?
  • How much should be in my budget for dating?
  • How do I start the debt-free process while I'm in school?
  • What is the best solution to paying for private school while we have $60,000 in car debt?
  • Should I buy a house with my girlfriend?

 

Also Mentioned on the Show:

 

Thanks for listening!

 

Using Google Play? Here are links to the resources mentioned above:

Aug 09, 2018
Don't Listen to Your Broke Brother-in-Law (Hour 1)
40:06

"Building wealth has nothing to do with your income level and it has nothing to do with your background." — Chris Hogan

 

Retirement expert and Ramsey Personality Chris Hogan and Dave celebrate the pre-sale release of his new book, Everyday Millionaires: How Ordinary People Built Extraordinary Wealth—and How You Can Too! A family from Illinois visits the show to share their debt-free story: "He just walked into the house one day and said, 'How can we make this much money and not have anything to show for it?'"  Dave explains what it takes to be on the show for a DEBT-FREE SCREAM. 

 

Calls This Episode:

  • Should I renew my earthquake insurance?
  • Is it worth it to take out $200,000 in student loan debt if I'm going to med school?
  • Should I sell my truck to pay down debt?
  • What do I do with the money from a property I sold?
  • Is it best to sell my house and build another one?
  • Should I work fewer hours at my job so I can invest in my small business?

 

Want to Hear More From Chris Hogan? 

 

Also Mentioned on the Show:

 

Thanks for listening!

 

Using Google Play? Here are links to the resources mentioned above:

Aug 09, 2018
Learn How to Take Control of Your Money (Hour 3)
39:52

Ramsey Personalities Ken Coleman and Rachel Cruze answer America's questions about your life and your money.

 

Want to Hear More From Ken Coleman? 

 

How to Find Rachel Cruze:

 

Also Mentioned on the Show:

 

Thanks for listening!

 

Using Google Play? Here are links to the resources mentioned above:

Aug 08, 2018
Do I Need to Rent Before I Buy a House? (Hour 2)
40:04

"After you're debt-free, you still have to save up your emergency fund and your down payment." — Dave Ramsey

 

Dave takes calls and answers your questions about life and money. Featured call: A 23-year-old has an intense plan to get out of debt and wants to know if it's better to move out of his parents' home to get a solid rent history, or if he should stay until he's finished paying off debt. Listen as Dave encourages him to stay on track and make a specific timeline for renting his own place. A single woman from Michigan calls the show to share how she paid off $140,000 after reading The Total Money Makeover: "It's incredibly empowering! . . . Every extra dollar was going toward the debt!"

 

Caller Questions:

  • Is it okay to invest in my side business while I'm paying of personal debt?
  • Should we use college savings to pay off car loans? 
  • Should I move out of my parents' house if it slows down paying down my debts?
  • How do I decide if relocating is a good idea?
  • Which investment option is better, a 403(b) or a 457?
  • What retirement plan should I choose?
  • Should we sell our house to pay down debt because our taxes keep going up?

 

Also Mentioned on the Show:

 

Thanks for listening!

 

Using Google Play? Here are links to the resources mentioned above:

Aug 08, 2018
Build a Solid Financial Plan by Punching Debt in the Face (Hour 1)
40:05

"A student loan will linger like no other debt. It will just haaaaaaang around, hang around like an unwanted brother-in-law." — Dave Ramsey

 

Dave takes calls and answers your questions about life and money. Featured call: A man in Kansas paid off his house, but still has student loan debt. Listen as Dave coaches him through a plan to get out of debt quickly—the 7 Baby Steps. A couple from California visits the studio to do a DEBT-FREE SCREAM! Dave explains what it means when he talks about "Nerds" and "Free Spirits," and why they need each other.

 

Caller Questions:

  • What do we do if we need a new car while still in debt?
  • How do I sell a car I'm upside down on?
  • Should I be paying more than the minimum on my student loans now that my house is paid off?
  • How can I find a job that doesn't bore me?
  • Should I relocate?

 

Also Mentioned on the Show:

 

Thanks for listening!

 

Using Google Play? Here are links to the resources mentioned above:

Aug 08, 2018
The Path to Your Dream Retirement (Hour 3)
39:54

"America, the American dream is still available—and contrary to what you hear on the news—it's available and you can still do it." — Chris Hogan

 

Retirement expert and Ramsey Personality Chris Hogan celebrates the pre-sale release of his new book, Everyday Millionaires, How Ordinary People Built Extraordinary Wealth—and How You Can Too by hosting a Millionaire Theme Hour! Listen to how real people explain how they achieved a net worth of $1,000,000 or more!

 

Today's Everyday Millionaires:

  • 2MM from Columbia, South Carolina: "Every year we averaged at least 15% into 401(k)s." 
  • 1.1MM from Atlanta, Georgia: "I started working when I was 12." 
  • 1.1MM from Boulder, Colorado: "Get started early and just focus." 
  • 1.5MM from Concord New Hampshire: "My kids will tell you, we had the 'slushy years' — we couldn't even afford to get our kids slushies."
  • 1.7MM from Redding, California: "I went back to college at age 40."
  • $1.1MM from Green Bay, Wisconsin: "I started out at $16,000 salary." 

 

Want to Hear More From Chris Hogan? 

 

Also Mentioned on the Show:

 

Thanks for listening!

 

Using Google Play? Here are links to the resources mentioned above:

Aug 07, 2018
Discover How Anyone Can Become a Millionaire (Hour 2)
39:59

 

"It's possible. The American Dream is not only alive, it's well, and it's available to you if you make the decision." — Chris Hogan

 

Ramsey Personality Ken Coleman interviews Retirement expert and best-selling author Chris Hogan as he announces the pre-sale release of his new book, Everyday Millionaires, How Ordinary People Built Extraordinary Wealth—and How You Can Too! Ken and Chris take calls and answer questions across America on your life and your money. 

 

Caller Questions:

  • Is it okay to take money out of my retirement accounts to pay down debt?
  • Are Target-Date mutual funds a good idea?

 

Want to Hear More From Chris Hogan? 

 

Want to Hear More From Ken Coleman? 

 

Also Mentioned on the Show:

 

Thanks for listening!

 

Using Google Play? Here are links to the resources mentioned above:

Aug 07, 2018
Learn How 10,000 Net-Worth Millionaires Built Extraordinary Wealth (Hour 1)
40:03

"Your dreams just don't happen. You've got to make them happen. And you do that by staying focused." — Chris Hogan

 

Retirement expert and Ramsey Personality Chris Hogan announces the pre-sale release of his new book, Everyday Millionaires, and answers questions across America about investing. Featured Call: Chris identifies with a father in Indiana who wants to make sure he's planning a secure future for his special needs children. Chris encourages listeners to surround families of special needs kids and closes the episode with a quote by Margaret Thatcher: "No one would remember the Good Samaritan if he'd only had good intentions. He had money as well."

 

Caller Questions:

  • What's the best way for us to use a $600,000 inheritance?
  • Why do you recommend investing rather than use that money to pay off the house?
  • How much should I put into an ABLE account for my special needs children?
  • Should I set money aside for investing or saving for a down payment?
  • How much money should I be putting in a Roth IRA?
  • What's the best way to invest my pay increase?

 

Want to Hear More From Chris Hogan? 

 

Also Mentioned on the Show:

 

Thanks for listening!

 

Using Google Play? Here are links to the resources mentioned above:

Aug 07, 2018
What's the Best Way to Save for a House? (Hour 3)
40:05

"Make sure you're living on a really detailed written budget . . . Your money will feel like it's working harder." — Dave Ramsey

 

Dave takes calls and answers your questions about life and money. Featured call: A man in Knoxville, Tennessee calls to ask if it's okay to stop retirement investing in order to save for a home. Listen as Dave explains why this is okay and how long you should push pause on investments. A family from Missouri visits the show to do a DEBT-FREE SCREAM after paying off their house!

 

Caller Questions:

  • Should I sell my house?
  • How do you determine assets?
  • Is it okay to stop investing to save for a house?
  • Are annuities a good idea for me?

 

Also Mentioned on the Show:

 

Thanks for listening!

 

Using Google Play? Here are links to the resources mentioned above:

Aug 06, 2018
Is It Smarter to Pay Off College Loans or Start Investing? (Hour 2)
39:50

"You can't afford the school you're going to right now . . . I'm going to be looking to transfer schools for the next year." — Rachel

 

Ramsey Personalities Ken Coleman, Rachel Cruze and Anthony ONeal answer America's questions about money, millennials and career. Anthony shares a letter from a parent of a 11-year-old entrepreneur who is on fire! You'll be inspired by what this kid accomplished over the summer! Featured Call: A college sophomore with $20,000 in student loans—and planning on taking out $20,000 more—wants to know if she should invest in mutual funds. Hear Rachel challenge her on her college choice and encourage her to avoid going further into debt.

 

Caller Questions:

  • Am I on the right track with my business options?
  • As a teen, should I be investing my money?
  • I'm 18 and going into the military. How can I be good with money?
  • Should we stop paying down the mortgage to save for a car?
  • Do we put our mortgage in the debt snowball?
  • Should I pay off college loans or invest my money?
  • Is it smart to downsize our house to pay down debt?

 

Want to Hear More From Ken Coleman? 

 

How to Find Rachel Cruze:

 

Want to Hear More From Anthony ONeal? 

 

Also Mentioned on the Show:

 

Thanks for listening!

 

Using Google Play? Here are links to the resources mentioned above:

Aug 06, 2018
Choosing the Right Career Path for You (Hour 1)
40:04

"Think about it. Don't do stuff by accident. Do it intentionally . . . one of the most powerful things you have is CHOICE." — Dave Ramsey

 

Dave takes calls and answers your questions about life and money. Featured call: A 22-year-old calls wondering if it's a better idea to stay in the military or pursue a different career. Listen as Dave coaches him to be intentional about making a plan that will take him where he wants to be in 20 years and spins off into a classic "German Polka History" DAVE RANT.

 

Caller Questions:

  • Will it hurt my appraisal that my home addition didn't have a building permit?
  • Is a condo or house a better investment?
  • Do I have legal recourse to make a buyer stick to the contract?
  • Is it immoral to take a life insurance payout?
  • Can you give me advice on whether I should stay in the military or pursue a career in the private sector?
  • When is the right time for me to hire someone to help me with my small business?
  • I'm 16. What should I do with the money I'm making?
  • Should I finance solar panels?

 

Also Mentioned on the Show:

  • Save BIG on budgeting tools, college must-haves, and more.

 

Thanks for listening!

 

Using Google Play? Here are links to the resources mentioned above:

Aug 06, 2018
How the Current Job Market Will Help You Get Hired (Hour 3)
39:59

"In America right now, we have more jobs available than we have people unemployed. Hello! That's a massive demand for talented people; character people." — Ken

 

Ramsey Personality Ken Coleman starts the show discussing job opportunities in America and takes calls to answer questions on life and career. Featured Call: A sales associate is intimidated by the idea of becoming a sales manager and asks Ken for advice on how to gain the skills needed to do the job. Listen as Ken boosts his confidence and helps him realize he's more qualified than he thinks!

 

Caller Questions:

  • How do I narrow down what career field to go into?
  • What can I do to find a job I'm passionate about?
  • How can I get the skills needed to move into a management role?
  • Should I go back to school to get my bachelor's degree even if I can get hired without it?
  • How do I make more money?

 

Want to Hear More From Ken Coleman? 

 

Also Mentioned on the Show:

 

Thanks for listening!

 

Using Google Play? Here are links to the resources mentioned above:

 

Aug 03, 2018
Buying a House When You Can't Find a Rental (Hour 2)
39:52

"None of this sounds smart. It sounds like triple dumb." — Dave 

 

Dave takes calls from across America to answer questions on life and money. Featured call: A young lady asks Dave if she should buy and renovate a trailer because she hasn't found a rental in her area. Dave answer her question, then follows up with a classic DAVE RANT: "When you limit yourself to one or two possible options because you haven't scratched and clawed and dug around the problem—you haven't worked the problem hard enough—you're almost always going to make a bad decision." Listen to hear Dave's advice on overcoming a fatalistic mind-set!

 

Caller Questions:

  • Should we sell our land to pay down debt?
  • Is it okay to pause retirement investing to save for a down payment?
  • Should I buy out my lease for $30,000?
  • When should I roll my 401(k) into a Roth IRA?
  • Do you think I should get a second mortgage to pay off my credit cards?
  • How do I plan for my business's off season?

 

Also Mentioned on the Show:

 

Thanks for listening!

 

Using Google Play? Here are links to the resources mentioned above:

Aug 03, 2018
Why Math Is Not Your Biggest Problem With Money (Hour 1)
40:10

 

"It's sixth grade math. That's a cop-out. What you're not good at is controlling you." — Dave Ramsey

 

Dave and Chris Hogan bust the myth that retirement is an age. Not everyone is financially ready to retire at age 65, and many reach the retirement "tipping point" much earlier. Featured call: A graduate student calls Dave for investing advice, but the truth surfaces that their spending is out of control and they are over-drafting each month. Dave takes calls from across America to answer questions on life and money. A young man from South Dakota visits the show to share his debt-free story: "I want to thank my mom. I lived in the basement of her house for six months, and I couldn't have done it without her!" 

 

Caller Questions:

  • Should I switch to a Roth IRA?
  • Is it wise to cash out my retirement fund to pay off debt?
  • Are we spending too much on a kitchen remodel? 
  • Is Cash Value Life Insurance a good investment?
  • Should my wife take a job that requires her to leave home three weeks at a time?

 

Want to Hear More From Chris Hogan? 

 

Also Mentioned on the Show:

 

Thanks for listening!

 

Using Google Play? Here are links to the resources mentioned above:

 

Aug 03, 2018
The Best Way to Get Your Marriage Back on Track (Hour 3)
40:02

"This is you saying, 'I want to take this step as a man to straighten my act, earn my marriage back . . .'" — Dave 

 

Dave takes calls from across America to answer questions on your life and your money. Featured call: A man from California calls Dave for help to get his life back on track after his wife left him because he wasn't taking care of the family financially. A couple from Illinois visits the studio to do a DEBT-FREE SCREAM after paying off over $91,000! Listen—you won't believe what the husband put up with for over a year to make their debt-free story possible! Dave talks about two common characteristics of successful people.

 

Caller Questions:

  • Is it okay to take money out of our mutual funds to pay for a house?
  • What percentage of my income should I put in my TSP?
  • Should I sell my house and take an $80,000 loss?
  • Is selling my house a smart move?
  • How can I get my life and marriage back on track?
  • Should I sell everything I have to focus on my side business full time?

 

Also Mentioned on the Show:

 

Thanks for listening!

 

Using Google Play? Here are links to the resources mentioned above:

Aug 02, 2018
Guidelines on When to Give Money to Family (Hour 2)
39:54

"Only if it's going to help them. If you are, however, participating in their lack of discipline—their misbehavior with money—then you are an enabler." — Dave 

 

Dave takes calls from across America to answer questions on your life and your money. Featured call: A woman in California feels uneasy giving $6,000 to her husband's uncle but doesn't know how to say no. This call leads to a classic DAVE RANT on family members who enable bad financial behavior. A couple from Ohio calls the show to do a DEBT-FREE SCREAM after reading a dusty copy The Total Money Makeover that had been sitting on their bookcase for 3 years!

 

Caller Questions:

  • Are Property Tax Lien Certificates a good investment?
  • Should we give money to a family member?
  • How can I get out of debt faster?
  • How long is too long to pause the debt snowball?
  • Will I be able to catch up on retirement?

 

Also Mentioned on the Show:

 

Thanks for listening!

 

Using Google Play? Here are links to the resources mentioned above:

Aug 02, 2018
Finding Help When Your Family Is in Financial Crisis (Hour 1)
40:02

"There's a lot more going on here than a financial problem or two. Your financial problems are a symptom of all the crazy going on in your life." — Dave 

 

Dave takes calls from across America to answer questions on your life and your money. Featured call: A homeless man in Missouri asks Dave how to get his wife to make better choices so he can afford a new place for his family to live. A family from Kansas City visits the show to share their inspirational debt-free story: "When you align your heart with God's heart, He just places the things that you need in your life. And I didn't realize how much our finances were actually burdening me."  

 

Caller Questions:

  • What's the best way to invest the money I'm receiving from my wife's life insurance policy?
  • Should I use the emergency fund to pay off my mortgage?
  • How do I get my wife to make smarter choices?
  • How can I teach my son to avoid the same money mistakes I have made?

 

Also Mentioned on the Show:

 

Thanks for listening!

 

Using Google Play? Here are links to the resources mentioned above:

Aug 02, 2018
When You Feel Pressure to Buy a House (Hour 3)
39:55

"Broke family members giving you financial advice, that isn't who we listen to. You listen to your heart." — Dave 

 

Dave takes calls from across America to answer questions on your life and your money. A couple from Indiana calls the show to do a DEBT-FREE SCREAM after paying off $123,000! Listen to their story of determination and perseverance: "My parents lived paycheck to paycheck and I didn't want that for my life and my kids." 

 

Caller Questions:

  • Do we have too much debt to buy a house and have kids?
  • Am I ready to buy a house? 
  • Should I transfer my debt to a 0% interest card?
  • Is it okay to take a pay cut to move closer to family?
  • Can I skip Baby Step 3?
  • What's the best way to budget for yearly expenses like Christmas?
  • When do we pay back my in-laws?

 

Also Mentioned on the Show:

 

Thanks for listening!

 

Using Google Play? Here are links to the resources mentioned above:

 

Aug 01, 2018
Stop Saying "Why Me?" and Live a Life of Significance (Hour 2)
40:02

"That's the beauty and challenge of humility—you don't recognize the greatness that you have within yourself to impact someone else's life in a positive manner." — John OLeary

 

Ramsey Personalities Ken Coleman and Rachel Cruze chat about how much money parents spend on kids' birthday parties and answer questions about your life and your money. Ken interviews best-selling author John O'Leary. Listen to his incredible, inspirational story to discover how to live a life of significance.

 

Caller Questions:

  • How do I get started paying off $120,000 debt with a $60,000 income?
  • What's the best way to handle our house in foreclosure?
  • Should I leave my job because they won't give me a raise?

 

Want to Hear More From Ken Coleman? 

  • The Ken Coleman Show: Get practical life advice and discover the role you were born to play.
  • Read One Question: Life-Changing Answers From Today's Leading Voices

 

How to Find Rachel Cruze:

 

How to Find John O'Leary:

  

Also Mentioned on the Show:

 

Thanks for listening!

 

Using Google Play? Here are links to the resources mentioned above:

Aug 01, 2018
How to Avoid Bankruptcy by Settling Your Debts (Hour 1)
40:07

"Before you give them any money—two things you have to remember—get it in writing and never give them electronic access to your checking account." — Dave 

 

Dave takes calls from across America to answer questions on your life and your money. Featured Call: A widow calls Dave for help after she made bad financial decisions when her husband was murdered several years ago, and she can't seem to move forward in life or get control of her money. A family from Virginia visits the show to share their debt-free story: "Coordinating our dreams was key. We sat down and talked about what we wanted to do in the future, so we had a direction we wanted to go to—moving the same direction together."

 

Caller Questions:

  • What should I do now? I made poor financial choices after my husband died.
  • Should I take money out of my 401(k) to make progress on the Baby Steps?
  • How can I avoid bankruptcy with all of my debts in default?
  • Should I fix or sell my car?
  • How do we plan for a potential move and transition to a new job?
  • Can we charge my wife's hearing aids?

 

Also Mentioned on the Show:

 

Thanks for listening!

 

Using Google Play? Here are links to the resources mentioned above:

Aug 01, 2018
It's Time to Start "Adulting" (Hour 3)
39:54

"My dad said 90% of solving a problem is knowing there is a problem." — Dave

 

Dave takes calls from across America to give practical advice on your questions about life and money. Dave explains that sometimes an "oh crap" moment is exactly what you need to decide to grow up and take control of your money. A couple from New York visits the show to tell their debt-free story: "We're making too much money to not know where the money's going." 

 

Caller Questions:

  • Do you recommend keeping our retirement money in a TSP?
  • How do I attack debts in collections?
  • Is it foolish to get a loan to remodel my house?
  • Should I get my MBA?

  

Also Mentioned on the Show:

 

Thanks for listening!

 

Using Google Play? Here are links to the resources mentioned above:

Jul 31, 2018
Am I Responsible for My Parents' Charges on My Card? (Hour 2)
39:52

"Technically it is your debt because technically it's in your name." — Dave

 

Dave takes calls from across America to answer questions on your life and your money. A family from Illinois visits the studio to do a DEBT-FREE SCREAM after changing their family tree by paying off $99,349—including their house—with Financial Peace University. "We liked stuff and we liked vacations, and we thought we worked hard and deserved it."

 

Caller Questions:

  • How can I get over feeling bad about the bittersweet way I got out of debt?
  • Should we relocate to get out of a bad house decision?
  • Is it okay to cash out our mutual funds to buy a house?
  • Should I pay off a credit card my parents used?
  • Which debt should I pay off first with money I'm getting?
  • What do I do with UTMAs for my kids?
  • How do I roll over my old 403(b) to an IRA?
  • What's my next step after divorce as a single mom?

  

Also Mentioned on the Show:

 

Thanks for listening!

 

Using Google Play? Here are links to the resources mentioned above:

Jul 31, 2018
You Don't Have to Punish Yourself to Become Debt-Free (Hour 1)
40:06

 

"I think the normal you is stronger than you're giving you credit for." — Dave

 

Dave takes calls from across America to answer questions on your life and your money. A couple from Atlanta visits the studio to share how they paid off over $296,000 in just 36 months: "If you agree on money, you agree on dreams and goals."

 

Caller Questions:

  • How can I break my bad money habits?
  • Can you help me convince my husband you're not a bad person?
  • Is it bad to put money in a CD?
  • Do we need to stop investing to pay down debt?
  • Will you give me some job interview tips?
  • Should we consolidate our debt or try to settle?

  

Also Mentioned on the Show:

 

Thanks for listening!

 

Using Google Play? Here are links to the resources mentioned above:

 

Jul 31, 2018
Answers to Your Career and Small Business Questions (Hour 3)
39:57

 

"The antidote to fear is action." — Christy Wright 

 

Ramsey Personalities Ken Coleman and Christy Wright answer questions about your career and the best way to start and grow a small business.  

 

Caller Questions:

  • Can I make money as a blogger?
  • Is it inappropriate to ask a company for their P&L statement during an interview?
  • How can I get unstuck in my career?
  • What's the quickest way for me to learn how to do the accounting for my business?
  • Should my business be a sole proprietorship or a partnership with my husband?
  • Am I the only one afraid to share my business with friends and family?
  • What's the best way to drive traffic to my website?
  • How do I get my husband to support my business dreams?
  • How much money should I invest in my business?

 

Want to Hear More From Ken Coleman? 

  • The Ken Coleman Show: Get practical life advice and discover the role you were born to play.
  • Read One Question: Life-Changing Answers From Today's Leading Voices

 

How to Find Christy Wright

 

Also Mentioned on the Show:

 

Thanks for listening!

 

Using Google Play? Here are links to the resources mentioned above:

 

Jul 30, 2018
I Just Can't Stop Using My Credit Card! (Hour 2)
39:53

"You're out of control, you don't have a system, you're not living on a budget, and you buy crap at Target on your credit card." — Dave

 

Dave takes calls from across America to answer questions on your life and money. A couple from Kentucky visits Dave in the studio to do a Debt-Free Scream after paying off $72,000!

 

Budgeting just got easy with EveryDollar

 

Caller Questions:

  • How can I stay motivated to keep saving for retirement?
  • Can I spend more on housing because I live in an expensive area?
  • What should I do if I can't stop using credit cards?
  • Should I retire at age 39?
  • Is my low credit score preventing me from getting hired?
  • Should I pay off my mortgage or student loan first?
  • Is it okay to buy a house right before my husband goes to school?

  

Also Mentioned on the Show:

 

Thanks for listening!

 

Using Google Play? Here are links to the resources mentioned above:

Jul 30, 2018
Why You Need an Emergency Savings Fund (Hour 1)
40:08

"There's some kind of a correlation between getting your financial act together and just getting your act together—growing up." — Dave

 

Dave takes calls and gives practical advice on your life and your money. Topics range from college savings to taxes and paying student loans to running a small business.

 

Caller Questions:

  • Should I keep the rental to help pay for college?
  • Is it better to pay off our home mortgage or rental first?
  • Do I need emergency savings in retirement?
  • Should I use my HSA to save for a baby?
  • How do I pay the IRS back?
  • Will keeping my house as a rental make me money?
  • What's the best way to pay off $180,000 of student loan debt?
  • Can you give me advice on marketing a new delivery service?
  • How can I balance business and family?

  

Also Mentioned on the Show:

 

Thanks for listening!

 

Using Google Play? Here are links to the resources mentioned above:

Jul 30, 2018
Is It a Good Idea to Buy Company Stock? (Hour 3)
39:57

"I don't buy any single stocks. But the recommendation I use is to never have more than 10% of your nest egg tied up in single stocks if you're going to." — Dave

 

Dave takes calls from across America to answer questions on your life and your money. Topics include budgeting for business, real estate, income etiquette, and investing. Dave gives practical suggestions to a listener in North Carolina who is fresh out of college and doesn't want to get a credit card, but her employer is requiring her to pay for travel expenses. Dave closes the episode by interviewing a lawyer who paid cash for law school and is making bank because she doesn't have any student loans chasing her!

 

Caller Questions:

  • What's the best way to set up a budget for variable business expenses?
  • How should we combine finances after marriage?
  • Should I renovate my rental before I sell it?
  • Is it okay to move out of my parents' house if it slows down my progress on paying off debt?
  • Is it a good idea to buy company stock?
  • Can we buy an investment property before we buy our personal house?

  

Also Mentioned on the Show:

 

Thanks for listening!

 

Using Google Play? Here are links to the resources mentioned above:

Jul 27, 2018
Yes, You Can Do This. Beat Debt Now! (Hour 2)
39:56

"America, it's never about the lack of our ability . . . it's always about the lack of our determination." — Anthony ONeal

 

Ken Coleman and Anthony ONeal reminisce about the ramen noodle college days and answer questions on life and money.  

 

Caller Questions:

  • Can I really pay off $37,000 of debt on my own?
  • What do I do with the extra money I received for college scholarships?
  • What's the fastest way for me to get out of debt?
  • How can I pay cash for college if my parents didn't save enough money?
  • What's the right amount to spend on housing?
  • Should I stop investing to save for a second home?
  • How can I switch careers at 58 years old?
  • What's the best way for me to start saving for retirement?

 

Want to Hear More From Ken Coleman? 

  • The Ken Coleman Show: Get practical life advice and discover the role you were born to play.
  • Read One Question: Life-Changing Answers From Today's Leading Voices

 

How to Find Anthony ONeal 

  

Also Mentioned on the Show:

 

Thanks for listening!

 

Using Google Play? Here are links to the resources mentioned above:

 

Jul 27, 2018
Stop Being Sloppy With Money (Hour 1)
40:03

 

"This is not really a math problem. This is a relational, a behavioral, an attitude, a spiritual, and an emotional problem." — Dave

 

Dave answers America's questions about life and money, and interviews a young family from West Virginia who shares their debt-free story: "Doing the budget was really helpful in that we knew where our money was going and how we were spending it."

 

Caller Questions:

  • Should I quit my job to become a dog groomer?
  • Where should I put my investments if my company doesn't offer aggressive growth option?
  • How do I get out of a car lease?
  • What if I'm not making enough money in real estate?
  • Is Landlord Insurance a good idea?
  • How do I balance having fun with my life goals?
  • Should we refinance our mortgage? 

  

Also Mentioned on the Show:

 

Thanks for listening!

 

Using Google Play? Here are links to the resources mentioned above:

Jul 27, 2018
Will Giving My Kids an Inheritance Spoil Them? (Hour 3)
40:04

"Money makes people more of what they already are."  — Dave

 

Dave answers your questions about life and money. Also, in celebration of Financial Peace University Coordinators Week, Dave interviews a couple from California that has led 25 FPU groups and paid off nearly $1 million!

A family from Colorado visits Dave in the studio to scream, "WE'RE DEBT-FREE!" after paying off over $500,000 in less than 3 years!

 

Help people win with money! Become a FPU Coordinator.

 

Caller Questions:

  • Will giving our grown sons some of our inheritance spoil them?
  • Is it okay to buy property or should I invest?
  • When do I pay off my HELOC?
  • How do I include reimbursable company expenses in my budget?
  • Do you think the economy is about to crash?

 

Also Mentioned on the Show:

 

Thanks for listening!

 

Using Google Play? Here are the links to the resources mentioned above:

Jul 26, 2018
The Best Investment College Students Can Make (Hour 2)
39:51

Dave takes calls from across America to answer your questions on growing profits in business, saving for a house, and how to get out of debt. Dave explains what college students should be doing with their money. A couple from Texas visits Dave to share a heartbreaking story that urged them to take control of their money. Listen to how they paid off $78,000 in just 9 months: "You have to be on the same team and fighting the same fight." 

 

Financial Peace University will help you take control of your money and fight for your future

 

Caller Questions:

  • How do I balance investing in my business with take-home pay?
  • What's the best way to save for a bigger house?
  • Can I pay off the bills without interest first?
  • Is it smart to start investing while I'm in college?
  • Should we sell our rental to pay off our HELOC?
  • Will getting a mortgage give me a credit score?
  • How can I get my husband to join me in getting out of debt?

 

Also Mentioned on the Show:

 

Thanks for listening!

 

Using Google Play? Here are the links to the resources mentioned above:

Jul 26, 2018
Learn to Live With Less and Love Life More (Hour 1)
40:02

The Minimalists join Dave in studio! 

 

"Minimalism was a way for me to figure out, what are the things that are truly going to add value to my life . . . then to get rid of those things that are just in the way." — Joshua

 

Joshua Fields Millburn & Ryan Nicodemus share their personal debt-free story and how living with less completely changed their perspective on life and money. Joshua and Ryan respond to a caller who asks how to influence her kids to live with less.

 

"We're redefining what's important. The gathering of stuff is not what's important. . .  It's a mindset that says STUFF is not where I'm going to draw my happiness." — Dave

 

The second half of this episode opens with a Texas-sized Debt-Free Scream. A family visits Dave in studio to share how they paid off nearly $400,000 after reading The Total Money Makeover.

 

Caller Questions:

  • How can I convince people to take FPU?
  • What should I do with my inheritance?
  • Should I borrow money to get my graduate degree?

 

Take Control of Your Money With Financial Peace University.

 

Also Mentioned on the Show:

 

Thanks for listening!

 

Using Google Play? Here are links to the resources mentioned above:

Jul 26, 2018
It's Time to Kick-Start Your Financial Goals (Hour 3)
39:52

Dave gives practical advice on how to make a plan for your money that your future self with thank you for! Dave shares a personal story about how his grandpa handled money, and what he said when a young Dave rolled up his driveway in a brand-new Jaguar.

 

Smart Money will give you the momentum you need to kick-start your financial goals.

 

"Don't put your money in stuff that goes down in value. Put it in stuff that goes up in value." — Dave

 

Caller Questions:

  • Should I be investing while saving for med school?
  • Is it better to pay extra on the mortgage or put it in savings?
  • How can I get my wife to agree that we need to get out of debt?
  • Should I take out $300K in medical school loans or go into the military and make less money?
  • Is it okay to sell a home we've only owned for a year?
  • Why is it important to keep car values under half your annual income?
  • How can I convince my wife it's okay for her to stay home with our daughter?
  • As a contractor, should I be saving money or paying down debt?

  

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Jul 25, 2018
Emotionally Driven Money Decisions Can Lead to Bankruptcy (Hour 2)
39:56

Dave takes calls and answers questions from across America on everything from houses, cars and college savings plans. A couple from Kentucky visits Dave in studio to share their debt-free story after paying off over $260,000! The best part is, now they're giving back by teaching Financial Peace University as coordinators! 

 

Help people win with money. Become a FPU Coordinator!

 

"If you do not resist using debt in a crisis scenario, it will bankrupt you." — Dave

 

Caller Questions:

  • Is owning a home worth it?
  • When should we replace our car?
  • How much money can go into a 529 fund to save for college?
  • Is it a good idea to use retirement funds to buy a car?
  • Are solar panels a good investment to increase the value of my home?
  • How do I pay legal fees without loans?
  • When is the best time to buy a house? 

  

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Jul 25, 2018
How to Include Money for Pets in Your Budget (Hour 1)
40:14

Dave gives practical advice to callers about everything and anything relating to life and money, and chats with a young family from Washington who calls the show to scream, "We're debt-free!" after paying off $30,000 in just 5 months! A local couple drops by the studio to talk with Dave about their experience helping people win with money:

"One of the things I really love about the opportunity to teach a Financial Peace University course is to watch the people on week one when the first come in, and a lot of them are stressed out. A lot of them have a lot of worries and a lot of things on their minds. And by the ninth week, the lightbulb just comes on."

 

It's Easy to Include Pets in the Budget With EveryDollar

 

"While we love them like a member of the family, we're going to remember that they're animals." — Dave

 

Caller Questions:

  • Is disability income my client's only option?
  • What's the best way to pay for my house repairs?
  • Do pets need an emergency fund?
  • Should I stop investing to pay down debt at my age?
  • Will selling my truck help me pay down debt?
  • Are variable interest rates better than fixed-interest rates?
  • Is it better to default on our other debts or allow our house to go into foreclosure?

  

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Jul 25, 2018
The Easy Way to Help People Win With Money (Hour 3)
39:55

 

It's officially Financial Peace University Coordinator Week!

Dave starts off this episode by chatting with a coordinator in Baltimore who had led 10 FPU groups over the years. FPU coordinators from Minnesota visit the studio to share their debt-free story: "It's been awesome to encourage people that this is a journey that can be done." You can help people win with money, too. Become a FPU Coordinator.

During the second half of this episode, Business Boutique Academy creator Christy Wright joins Dave in studio to answer questions about starting or growing a small business. Christy takes caller questions:

  • How can I stand out as a woman in business in a market saturated with men?
  • What's the best way for me to help my wife as she starts her own business?

"It doesn't make you a bad mom. It makes you a better mom when you step into your God-given gifts to do something you love to do." — Christy

 

Want to Hear More From Christy Wright? 

 

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Jul 24, 2018
You Can Create a Solid Plan for Your Future (Hour 2)
39:59

It's an Everyday Millionaire Theme Hour!

Chris Hogan joins Dave in-studio to interview everyday people who have achieved millionaire status to find out how they did it:

  • 1.3MM from Tampa, FL: "You have to learn to be content."
  • 2.8MM from Hot Springs, AR: "My husband is self-employed and I was a teacher."
  • 2.5MM from Chicago, IL: "We hit the ground running. . . working 2-3 jobs, nothing was below us."
  • 1.7MM from Atlanta, GA: "Honesty and integrity are key factors."
  • 2.1MM from Indianapolis, IN: "I worked on my Master's but never finished it." 
  • 1.5MM from New York, NY: "My parents were poor and uneducated but smart and generous."

"Financial success is not the result of academic brilliance. It's the result of character and steadiness and regular people continually investing." — Dave

 

You can become an everyday millionaire. Listen to The Chris Hogan Show to learn how to create a solid plan for your money.   

 

Want to Hear More From Chris Hogan? 

 

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Jul 24, 2018
Dump Debt By Following the Baby Steps—in Order (Hour 1)
40:09

Need some inspiration to finally get control of your money? This episode has two Debt-Free Screams! Dave chats with a couple in Hawaii who share how they paid off $91,000 in just 11 months after reading The Total Money Makeover"You have to know that your needs tomorrow are greater than your wants today."

Our second debt-free screamer traveled all the way from Chicago to share her story: "With a swipe of a card, it's so easy to build up that debt. . . . I didn't think I could live without a credit card. But you can."

Dave also answers questions from listeners across America on life and money:

  • Are we obligated to pay my in-laws back for student loans?
  • Should my stepmom buy a smaller house or start renting?
  • Is it smart for college students to invest in mutual funds?
  • How can I get started paying off debt?
  • Will moving prevent us from getting to Baby Step 2?

"You have to get your head around the idea that having no debt is the shortest path to wealth." — Dave

 

Follow the Baby Steps to pay off debt fast with The Total Money Makeover.

 

 

Also Mentioned on the Show:

  • Choose your best business idea with Business Idea Bootcamp, the 4-step course you need to go from dreaming to doing.
  • Never worry about money again with Financial Peace University.
  • Learn how to make smart decisions now to help you live your retirement dreams. Read Retire Inspired: It's Not an Age; It's a Financial Number.

 

Thanks for listening!

 

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Jul 24, 2018
3 Good Reasons to Sell Your House (Hour 3)
40:00

 

Dave takes calls from listeners across America to answer questions on life and money: 

  • Should I cash out my stocks to pay off debt?
  • Is it better to invest in property or mutual funds.

Dave celebrates Financial Peace University coordinators and interviews a coordinator in Louisiana who has impacted over 500 people with this life-changing program. Dave explains why he doesn't usually tell people to sell their home to pay down debt, and gives 3 exceptions to that rule of thumb. 

The last half of this episode kicks off with a a debt-free scream! Listen as a couple from Kansas City shares how they paid off $80,000. Dave wraps up the show by answering a few more caller questions:

  • How can I inspire my brother to get out of debt?
  • What's the best way to invest my money?
  • Is it better to replace the roof or pay off a credit card?

 

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Jul 23, 2018
Helping Teens Build a Solid Foundation (Hour 2)
39:54

Dave starts off this episode by answering financial questions from callers across America:

  • Should we sell our house to pay off debt?
  • Is it better to use a financial coach or take Financial Peace University?

A family from California visits the studio to do their Debt-Free Scream after reading The Total Money Makeover"We had no hope. There was no hope of doing anything fun because there was no money left at the end of the month. It was just depressing." 

During the second half of this episode, Wall Street Journal National Best-Selling Author and Youth Expert Anthony ONeal joins drops in to talk about what students need for their dorm rooms as they head off to their first year of college. Anthony takes caller questions:

  • How can I go to grad school without taking out more loans?
  • What's the best way to build credit so I can get a loan?

"I ended up $35,000 in debt, homeless in the back of my car trying to live the American Dream, trying to impress and have what everyone else has." — Anthony

 

Teach Teens to Avoid Debt with  The Graduate Survival Guide: Five Mistakes You Can't Afford to Make In College

 

Want to Hear More From Anthony ONeal? 

 

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Jul 23, 2018
The Program That Will Transform Your Life and Marriage (Hour 1)
40:11

This episode begins with Dave answering caller questions about life and money:

  • How long does it take to get out of debt?
  • What should I do to get started in life without going to college?

 

Later, Dave gives a shout out to Financial Peace University coordinators, and talks to a couple in Memphis whose marriage was transformed when they stopped the money fights by getting on the same page financially. A recently engaged caller asks for advice on how to save money for a down payment on a mortgage.

During the last half of the episode, Dave chats with a couple from Philadelphia who visits the studio to share their debt-free story: "I went to grad school all on student loans, and we bought a house with no money down. So we were in trouble."  

Dave closes the episode by answering a few more calls from listeners:

  • Which debt should I pay off first?
  • Why do you condemn the use of credit cards? 

"The credit card is the cigarette of the financial world. There's no upside. It kills you." — Dave

 

Learn how to ditch credit cards for good. Join a local Financial Peace University community group near you.

 

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Jul 23, 2018