Life Happens. Are You Going To Be Ready for It?

The Ramsey Show

Ramsey Network

Business, Education, Investing, Self-improvement

4.6 • 36.7K Ratings

🗓️ 3 April 2025

⏱️ 83 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 & Dr. John Delony answer your questions and discuss: "I made almost $200K last year and have nothing to show for it," "We owe $20k more on a car than it's worth," "Stop investing to save for a house?" "I just found out my wages are being garnished," "Do you have advice for adult children discussing wills with their parents?" 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! ✏️ Enter the Teacher Appreciation Giveaway 🎟️ See Dave Ramsey and Dr. John Delony LIVE in a city near you 🛒 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 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.
0:32.9	I'm Dave Ramsey, your host, Dr. John Deloney, Ph.D. in Counseling, host of the Dr. John Deloney show,
0:38.6	number one bestselling author. He's my co-host today. Jackson's with us in Vancouver. Hi, Jackson.
0:44.7	Welcome to the Ramsey Show. Hi there. Thanks for having me on today. Sure, man. What's up?
0:51.3	Well, you know, I'm a big fan of your guys' show, so I thought I'd give you a phone call.
0:56.9	I've been making some pretty good money working up here.
1:00.0	I work as a heavy-duty mechanic, and last year I made just shy of $200,000 a year, and I'm debt-free,
1:06.8	but I don't have any sort of a financial plan.
1:09.4	And I feel like I make too much money to not have some sort of a plan, and I don't have any sort of a financial plan. And I feel like I make too much money to not have
1:12.8	some sort of a plan. And I don't want to feel like a fool who squanders a fortune. Good for you.
1:19.5	Very wise. How old are you? I'm 25 years old. Some of the guys you work with have never even
1:25.6	had the thought that you've had. They spend their whole life working their butts off and thank God it's Friday,
1:30.3	oh God, it's Monday and got nothing to show for it.
1:32.1	So you're very wise.
1:33.2	You got a huge head start at 25.
1:35.1	Congratulations.
1:36.1	Just asking the question puts you in the top 5%, dude.
1:40.1	So,
1:40.4	yeah, that's kind of why I'm trying to ask the question because I said a pretty high standard for myself.
1:45.3	No, it's not that high, but it's...
1:47.0	I mean, but you're way ahead of the game.
1:51.8	You're way ahead of the game.
	...

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