Stick to the Plan Even When It’s Tough

The Ramsey Show

Ramsey Network

Business, Education, Investing, Self-improvement

4.6 • 36.7K Ratings

🗓️ 16 April 2025

⏱️ 88 minutes

🔗️ Recording | iTunes | RSS

🧾️ Download transcript

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 and Jade Warshaw answer your questions and discuss: "A company wants to use my land for a solar farm. What questions should I be asking them?" "Should we pay off my girlfriend's student loans or my mortgage first?" "Is it necessary to at some point get a credit card? My mom says it is, but I want to think otherwise," "I'm trying to follow the Baby Steps and it's not working. What am I doing wrong?" "My wife feels like our budget is too restrictive. How do we figure out how much fun money to have?" "I have a high income but a lot of debt. Should I pay off commercial debt or personal debt first?" 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 2–5 p.m. ET or send us an email. 🎟️ Dave Ramsey and John Delony are going on tour this month! Get tickets today 🛒 Get your copy of Build a Business You Love today! 💵 Start your free budget today. Download the EveryDollar app! Connect with 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! Explore 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. Visit megaphone.fm/adchoices

Transcript

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0:00.0	Hey guys, Dave Ramsey here.
0:01.4	Me and Dr. John Deloney are coming to a city near you on the Money and Relationships Tour.
0:06.6	It's happening soon.
0:08.2	So don't wait.
0:09.0	Get your tickets at Ramsey Solutions.com slash tour.
0:18.2	Brought to you by the Every Dollar app.
0:22.6	Start budgeting for free today.
0:29.8	Live from the headquarters of Ramsey Solutions, it's the Ramsey Show.
0:35.5	We help people build wealth, do work that they love, and create actual amazing relationships.
0:44.0	Jade Washall-Ramsey personality is my co-host today.
0:48.0	Thank you for joining us, America.
0:49.4	We're glad you are here.
0:51.0	The phone number is AAA-825-225. You jump in and we'll talk to you.
0:59.4	Abigail's in Portland, Oregon. Hey, Abigail, how are you?
1:03.0	Good morning, Jade and Dave. So, such a pleasure to talk with you. Thank you so much.
1:08.6	Sure. How can we help?
1:15.0	Well, I am 70 and working a great deal, trying very hard to make it possible to retire by 80. Recently, so this last year,
1:23.5	I've had two offers from a company that would, if I followed those, they would probably
1:31.1	make it possible for me to retire within a few years.
1:38.0	But I feel a need to really please this company, and I'm not sure how to
1:45.5	go about that to be real
1:47.5	thorough and making sure I'm not going to get myself
	...

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