Discipline Is the Key to Building Wealth

The Ramsey Show

Ramsey Network

Business, Education, Investing, Self-improvement

4.6 • 36.7K Ratings

🗓️ 1 April 2025

⏱️ 85 minutes

🔗️ Recording | iTunes | RSS

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Summary

📈 Are you on track with the Baby Steps? Get a Free Personalized Plan 📱 Watch the full episode for free in the Ramsey Network app. Dave Ramsey & Ken Coleman answer your questions and discuss: "I’m dating a man who thinks 401k investing is a scam," "How do I build wealth making $65k a year?" "What changed your mind about personal tax preparation?" "Is it crazy to turn down a job right now?" "Do I need to sell my classic car?" "My husband wants to keep our 'tax write-off' debt," Support Our Sponsors: 🛒 Stop paying more and start shopping smarter at Aldi 🌱 Get 10% off your first month of BetterHelp 📱Go to Boost Mobile to switch today! 🏥 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! 🥗 Save 15% on your first Field of Greens order with code RAMSEY ⛨ Find top Health Insurance Plans at Health Trust Financial 💸 To find out more about student loan refinancing, check out Laurel Road 💻 Visit NetSuite today to learn more 🗂️ Use promo code RAMSEY for 18% off at The Nokbox 🎥 Get your tickets for The Chosen Season 5! 💵 Learn more about Timothy Plan 🏛 Get started with YRefy or call 844-2-RAMSEY 🔐 Visit Zander Insurance for your free instant quote today! Next Steps ✅ Help us make the show better by taking this short survey! 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! 💵 Start your free budget today. Download the EveryDollar app 🎟️ See Dave Ramsey and Dr. John Delony LIVE in a city near you ✏️ Enter the Teacher Appreciation Giveaway 🛒 Preorder Build a Business You Love Now at Ramsey Solutions 💰 File your taxes with 100% accurate software that’s 20% of the price Listen to more from Ramsey Network 💸 The Ramsey Show Highlights 🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💰 George Kamel 🪑 Front Row Seat with Ken Coleman 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Transcript

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0:00.0	Live!
0:02.0	Live from the headquarters of Ramsey Solutions, it's the Ramsey Show, where we help people build wealth, do work that they love and create actual amazing relationships.
0:37.8	Ken Coleman-Ramsie personality is my co-host today.
0:42.0	Open phones at AAA 825-5-225.
0:46.6	You jump in.
0:47.4	We'll talk about your life and your money.
0:51.3	Emily is in Jacksonville, Florida.
0:53.9	Hi, Emily.
0:54.5	How are you?
0:56.5	Hi, how are you guys doing today?
0:58.6	Better than I deserve.
1:00.0	What's up?
1:01.5	So, quick question.
1:02.9	I've been dating a lovely young man for about nine months, and we had a random conversation
1:09.9	that came up about retirement savings.
1:12.2	I'm a big saver, so I'm really into, I have 401k and a Roth IRA, and his response was that
1:20.9	all that matters is working and making money now, and that 401Ks are a scam.
1:27.1	And I just want to know what the best way to
1:31.8	approach this conversation is to try to help him maybe understand the importance of saving
1:38.1	for retirement. Did you ask him why he thinks they're a scam? Was there any kind of follow-up on
1:44.0	that particular
1:44.9	classification of it? Not necessarily. He is actually, he moved here from Albania six years ago,
	...

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