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3 MARS

I'm 62, $79,000 In Debt, And Have No Retirement

💵 ⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Did you miss the latest episode of The Ramsey Show? Don’t worry—we’ve got you covered! Get all the highlights you missed plus some of the best moments from the show. Watch entertaining calls, Dave Rants, guest interviews and more! Next Steps: 📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ send us an email⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Connect with our Sponsors: Learn more about⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠Christian Healthcare Ministries⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Get 20% off when you join⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠DeleteMe⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Get started with⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠YRefy⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ or call 844-2-RAMSEY Visit⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ for your free instant quote today! Explore more from Ramsey Network: 🎙️⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠The Ramsey Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ 🧠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ 🍸⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ 💡⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ 💰⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠🪑 Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ 📈⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠⁠ Learn more about your ad choices. Visit megaphone.fm/adchoices

3 mars

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10 min
14/09/2015

#112: Mari Smith—Supercharging Your Facebook Marketing

We’re talking with one of the world’s leading experts on Facebook marketing, Mari Smith. She’ll discuss how to easily create content and build relationships with customers on the world’s largest platform. You’re going to like it! entreleadership.com/podcast Super Selling Cheat Sheet Another great episode sponsored by our friends at Infusionsoft. Learn more about your ad choices. Visit megaphone.fm/adchoices

14/09/2015

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44 min
21/03/2016

#139: Donald Miller—Branding Your Story Part 2

Best-selling author Donald Miller returns to share more about what it means for you to tell your story the right way for your brand. He’s getting tactical, so grab a pen and notebook before joining us. Also on tap, digital marketing guru Amy Porterfield talks to our own Christy Wright about social media strategy and why it’s so critical to your business. Listen in, because you are going to learn! entreleadership.com/podcast MarketingMap Tool Infusionsoft: Kick Procrastination to the Curb Learn more about your ad choices. Visit megaphone.fm/adchoices

21/03/2016

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50 min
11/08/2014

#77: Sally Hogshead—How to Fascinate and Win

In a world with an average nine-second attention span, how do you connect with your team, customers and even your family? Best-selling author and world-class branding expert Sally Hogshead says it’s all about fascination. On this podcast, she shows you how to become intensely valuable to others, so the world sees you at your best. http://www.entreleadership.com Learn more about your ad choices. Visit megaphone.fm/adchoices

11/08/2014

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40 min
22/06/2020

The Pandemic Was Your Wake-Up Call. Now Do This . . .

If the country has woken up to anything during the pandemic, it’s the importance of having an emergency fund. So, if you’re feeling the stress of a lack of savings, you’re not alone. The good news is, I’m here to help you get in a stronger financial position. And my dad, financial guru Dave Ramsey, is here to help too! In this episode of The Rachel Cruze Show, you’ll learn: What to do if you have a financial crisis on your hands How to rebuild your emergency fund from my dad, Dave Ramsey How one couple saved $13,000 in just nine months Sponsors pay the producer of this show, The Lampo Group, LLC, advertising fees for mentioning their services or products during programming. Advertising fees are not based upon or otherwise tied to any product sale or business transacted between any consumer or sponsor. The following sponsors have paid for the programming you are viewing: — Zander Insurance — Mama Bear Legal Helpful Links: Zander Insurance Mama Bear Legal Start your free trial of a Financial Peace Membership here Join my official Facebook community Get more of Dave Ramsey's money advice: daveramsey.com Learn more about your ad choices. Visit megaphone.fm/adchoices

22/06/2020

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31 min
24/10/2025

Answering Your Burning Money Questions

📈 Are you on track with the Baby Steps? Get a free personalized plan. One of my favorite things about my job is that I get the chance to talk with you guys as you’re working on your money goals in real time. So today, I’m answering your burning money questions! Next Steps: 🎥 Watch my video: TikTok Has Strong Opinions About This Controversial Marriage Topic 💵 Start your free budget today! Download the EveryDollar app. Connect With Our Sponsors: Learn more about Christian Healthcare Ministries today! Get 20% off your DeleteMe plan when you join. Go to FAIRWINDS Credit Union for an exclusive account bundle! Explore More From Ramsey Network: 🎙️ The Ramsey Show 🍸 Smart Money Happy Hour 💸 The Ramsey Show Highlights 🧠 The Dr. John Delony Show 💡 The Rachel Cruze Show 🪑 Front Row Seat with Ken Coleman 📈 EntreLeadership Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

24/10/2025

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12 min
9 FÉVR.

9 Silent Wealth Killers Keeping Americans Broke

💰 Check in on your net worth with our free calculator. In today’s video, we’ll look at nine wealth killers that destroy your net worth. For each one, I’ll explain why it’s such a problem and how to avoid it. Next Steps: • 🎥 Watch my video You’re Investing in the Wrong Order—Here’s What to Do Instead. • 📈 Are you on track with the Baby Steps? Get a free personalized plan. • 💵 Start your free budget today. Download the EveryDollar app! Connect With Our Sponsors: • Get up to 20% off Cozy Earth with code GEORGE. • Get 20% off when you join DeleteMe. • Save money on your phone plan with Boost Mobile. • Go to FAIRWINDS Credit Union for an exclusive account bundle! Explore More From Ramsey Network: 🎙️ The Ramsey Show 🍸 Smart Money Happy Hour 💸 The Ramsey Show Highlights 🧠 The Dr. John Delony Show 💡 The Rachel Cruze Show 🪑 Front Row Seat with Ken Coleman 📈 EntreLeadership Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

9 févr.

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12 min
-2 J

14 Things People Waste Money On and Still Defend

📙Check out my book Breaking Free From Broke! Today, I’m headed to the most polarizing place on earth (aka Reddit) to find the top things people waste money on and still defend. Next Steps: • 🎥 Watch my video 12 Things Totally Worth The Money (Even Frugal People Should Buy These) • 💵 Start your free budget today. Download the EveryDollar app! • 📈 Are you on track with the Baby Steps? Get a free personalized plan. • 👉Enter the Ramsey May Cash Giveaway! $500 weekly prizes and a $10,000 Grand Prize. Daily entries increase chances of winning. Connect With Our Sponsors: • Get up to 20% off Cozy Earth with code GEORGE. • Get 20% off when you join DeleteMe. • Go to Boost Mobile to switch today! • Go to FAIRWINDS Credit Union for an exclusive account bundle! Explore More From Ramsey Network: 🎙️ The Ramsey Show 🍸 Smart Money Happy Hour 💸 The Ramsey Show Highlights 🧠 The Dr. John Delony Show 🪑 Front Row Seat with Ken Coleman 📈 EntreLeadership Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

-2 j

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23 min
22/01/2018

#243: Todd Henry—Be the Leaders Creatives Need

We all know the creative process is unpredictable at best, but if you ask best-selling author Todd Henry, the one thing you can control every single time is the way you are guiding that work as the leader. Not only is your role more influential than you may realize, says the international speaker on leadership and creativity, but the stakes are about as high as they get. Without clear expectations from you—yet enough margin to allow them to take risks—your makers simply cannot do their best work, which threatens the very lifeblood of your organization. Tune in to find out the two things every creative needs to thrive, as well as what you need to do to lead creatives well. entreleadership.com/podcast Todd Henry's book: Herding Tigers How to Achieve Work/Life Balance from Infusionsoft Read Chapter 1 of Herding Tigers Want expert help with your business question? Call 844-944-1070 and leave a message for Ken with the details. You could be featured on a future podcast episode! Learn more about your ad choices. Visit megaphone.fm/adchoices

22/01/2018

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57 min
03/11/2025

What I Plan to Say Yes and No To This Holiday Season

🎄 Enter Ramsey's $5,000 Cash Giveaway. Okay, deep breaths, everyone—the holidays are approaching. But no need to panic. Here’s a quick little reset to get your mind (and your money) in the right place before the busyness begins. This is what I’m planning to say yes and no to this holiday season. Next Steps: 🎥 Watch my video 6 Things I Teach About Money That Will Make You Angry or Wealthy. 💵 Start your free budget today. Download the EveryDollar app! 📈 Are you on track with the Baby Steps? Get a free personalized plan. Connect With Our Sponsors: Learn more about Christian Healthcare Ministries. Get 20% off when you join DeleteMe. Go to FAIRWINDS Credit Union for an exclusive account bundle! Turn to Minno for kids shows you can trust. Use code RACHEL for 47% off. Explore More From Ramsey Network: 🍸 Smart Money Happy Hour 🎙️ The Ramsey Show 💸 The Ramsey Show Highlights 🧠 The Dr. John Delony Show 💰 George Kamel 🪑 Front Row Seat with Ken Coleman 📈 EntreLeadership Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

03/11/2025

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10 min

Take control of your life and money once and for all. The Ramsey Network offers up straight talk from Dave Ramsey, Dr. John Delony, Rachel Cruze, Ken Coleman, George Kamel, and Jade Warshaw. You’ll learn how to improve in all areas from building wealth, personal finance, relationships, budgeting, mental health and more.