Money Is a Tool To Create a Life You Love

The Ramsey Show

Ramsey Network

Business, Education, Investing, Self-improvement

4.6 • 36.7K Ratings

🗓️ 21 February 2025

⏱️ 85 minutes

🔗️ Recording | iTunes | RSS

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Summary

📈 Are you on track with the Baby Steps? Get a Free Personalized Plan Rachel Cruze & George Kamel answer your questions and discuss: "I feel guilty using child support money" "Should I pay off higher interest debt first?" "Can we afford our dream vacation?" "I just found out my boyfriend is $70k in debt" "My brother opened a 529 for my son". Support Our Sponsors: 🌱 Get 10% off your first month of BetterHelp ◎ Get 10% off Byrna product bundles and more! 🏥 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 💵 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 📱 Watch the full episode for free in the Ramsey Network app. 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! ❤️ Get away with your spouse in Nashville. 🛒 Preorder Build a Business You Love Now at Ramsey Solutions 💵 Start your free budget today. Download the EveryDollar app! 💪 Invest with confidence! Get tickets to Investing Essentials 🎟️ Get Tickets to the Money & Relationships Tour 🪑 Check out Front Row Seat with Ken Coleman! Listen to more from Ramsey Network 🎙️ The Ramsey Show 🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 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
0:19.3	wealth, do work that they love, and create amazing experiences.
0:23.6	I am Rachel Cruz hosting this hour with my good friend and bestselling author, George Camel, and co-hosts of the Smart Money Happy Hour.
0:30.5	We do another podcast together. And so we are here to answer your question. So give us a call at AAA-825-5-2-2-25,
0:37.9	and we'll be talking about your life and your money.
0:40.9	So kicking us off this hour is Marissa in St. Louis.
0:45.4	Hey, Marissa, welcome to the show.
0:48.3	Hi, happy to be on it.
0:50.2	Love Smart Money Happy Hour.
0:52.1	Thank you.
0:53.7	Got your two favorite hosts then.
0:56.1	You planned it right.
0:57.0	My question is, should we get a high deductible, high premium health insurance plan or a traditional health insurance plan?
1:07.6	My husband and I are on baby steps four, five, 6, and we just had our third baby in November.
1:13.7	Oh, congratulations. So exciting. Thank you. Are you guys relatively healthy people, would you say?
1:20.9	For the most part, yes. Our two older kids have both had to have two in their ears twice.
1:29.8	So that's not fun expense to pay. But other than that, we're mostly healthy. Okay. Okay. Yeah, because I feel
1:35.2	like for me, George, that's kind of how we've decided it overall of like health of the family.
1:39.4	Yeah. I mean, that's kind of the way we've, we've dictated it. I don't know about you. Yeah, there's kind of like a spectrum, almost a bell curve if you think about it and you go, right, if there's a ton of health issues in the
1:47.9	family, the high deductible health plan could be good because you'll hit your out-of-pocket max
1:51.7	and it's going to be 100% covered. And if there's very little between, you might want to go with a traditional plan. Now, I have chosen to go with the high deductible health plan.
2:02.5	I love the low premium.
	...

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