Don’t Give All Your Money to Banks and Wonder Why You’re Broke

The Ramsey Show

Ramsey Network

Business, Education, Investing, Self-improvement

4.6 • 36.7K Ratings

🗓️ 2 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 & Rachel Cruze answer your questions and discuss: "Are my future in-laws committing fraud?" "My mortgage is 75% of my take home pay..." "Should we put a big down payment on a house or a smaller one and invest the balance?" "Should we move in with my Dad?" "Your investing advice doesn't line up with life expectancy statistics..." "I fight with my girlfriend about money" 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! 💵 Sign up for a free training with our EveryDollar team! 💼 For business and leadership insight, listen to The EntreLeadership Podcast. 🛒 Preorder Build a Business You Love Now at Ramsey Solutions 🎟️ Dave Ramsey and John Delony are going on tour this month! Get tickets today. 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 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.
0:33.5	Rachel Cruz, number one bestselling author, host of the Rachel Cruz show and Smart Money Happy Hour co-host.
0:40.5	My daughter is my co-host today.
0:42.5	Open phones at AAA-8-25-5-225.
0:46.8	Cody is in Boston.
0:48.1	Hey, Cody, what's up?
0:50.0	Hi, Mr. Ramsey and Mrs. Cruz.
0:52.1	Thanks for having me on.
0:53.2	Sure.
0:53.5	I hope the cruise went well.
0:54.9	It did.
0:55.7	It was fabulous.
0:56.6	Great.
0:56.9	It was good.
0:57.3	We missed you.
0:58.8	Yeah.
0:59.4	Hopefully next year.
1:02.3	So I have a question.
1:03.8	I'm planning on proposing to my girlfriend here coming up soon.
1:07.8	But back in November, she told me that her father had transferred all of her parents'
1:13.7	investments to her so that her sister could get a larger financial aid package. I basically said
1:20.5	to not tell me anything more because I think this might be fraud. She said her dad,
	...

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