Slow and Steady Wins the Race Every Time

The Ramsey Show

Ramsey Network

Business, Education, Investing, Self-improvement

4.6 • 36.7K Ratings

🗓️ 17 March 2025

⏱️ 84 minutes

🔗️ Recording | iTunes | RSS

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Summary

📈 Are you on track with the Baby Steps? Get a Free Personalized Plan ❓ Help us make the show better. Please take this short survey. Dave Ramsey & Dr. John Delony answer your questions and discuss: "My company wants to sign me a 5-year deal," "How do we work on finances while separated?" "How much should we save for a house?" "We won a hunting trip to Africa - should we spend the money to go or save for a house?" "How do I get out of two Whole Life policies?" "How do I build credit without credit cards?" Support Our Sponsors: 🌱 Get 10% off your first month of BetterHelp 🏥 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 📱 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! 🤓 File your taxes with 100% accurate software that’s 20% of the price. 💵 Start your free budget today. Download the EveryDollar app! 🎟️ See Dave Ramsey and Dr. John Delony LIVE in a city near you. 🛒 Preorder Build a Business You Love Now at Ramsey Solutions 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 wealth, do work that they love and create actual amazing relationships.
0:32.8	Dr. John Deloney, Ph.D. in counseling, Ramsey personality, bestselling author, host of the Dr. John Deloney
0:38.1	show is my co-host today. I'm Dave Ramsey, and we're here to help you like we have been for
0:43.8	35 plus years now. The phone number is 3,8-825-2-2-25. It is a free call. Some say the advice is worth
0:51.7	exactly what you pay for it. Isaac is going to start off this segment in Rochester, New York.
0:57.4	Hey, Isaac, welcome to the Ramsey Show.
1:00.3	Hey, Dave and John, how are you doing?
1:01.6	Better than I deserve.
1:02.7	What's up?
1:04.4	So I'm 24 years old, and I currently work as an outside salesman in the electrical industry.
1:09.8	I have my associate's degree. I like to go on and finish my bachelor's and my company
1:14.7	has offered to pay for it but they want me to sign a five-year commitment
1:18.7	with them. Should I do that or should I just pay for it myself? Five years from
1:24.5	today? Yes. Or from the last time that they write a check? Five years from today? Yes. Or from the last time that they write a check?
1:30.7	Five years from when I would start college if it would be this fall.
1:35.1	Okay.
1:35.6	But it's going to take you how many years working at night?
1:41.0	Maybe two and a half years at the most?
1:42.9	Yeah.
1:43.2	Three years.
1:44.1	So that part's not irrelevant. So really they're asking you to sign a two and a half years at the most. Yeah. Okay. So that part's not irrelevant.
1:45.5	So really they're asking you to sign a two and a half year, two-year contract after you finish school.
	...

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