Discipline Matters Most in the Hard Times

🎟️⁠The Ramsey Show Live Tour: Tell us where we should go next!⁠

Dave Ramsey and Rachel Cruze answer your questions and discuss:

• "How can I leave my husband when I have no job or savings of my own?"
• "We're in our 70s and have nothing saved for retirement. How do we stop living paycheck-to-paycheck?"
• "Can we afford to slow down paying off debt to be present with our kids?"
• "How can I best use the inheritance I just received?"
• "My husband just told me we are $60,000 in debt. How do we go about this wisely?"
• "My business just went under and I have close to $1 million of debt. How do I get out of this mess I'm in?"
• "I just got fired, should I file for bankruptcy or consider a debt relief program?"
• "How do I get my husband to take the plunge and buy us a house?"
• "Is a budget set in stone or can it be revised once it's in play?"
• "Should I lower my retirement contribution in order to pay off my house faster?"
• "How do I help my mom who has $200,000 in debt and nothing saved for retirement?"

Next Steps:

✔️⁠ ⁠Help us make the show better. Please take 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.

📱 ⁠Get episodes early in the free Ramsey Network app! ⁠

💵 ⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠

📚 ⁠⁠⁠Set and actually reach your goals with the NEW 2026 Ramsey Goal Planner! Hurry—they sell out every year!⁠⁠⁠

⛰️ ⁠⁠Find out your Baby Step and get a plan for your money. ⁠

🤔 ⁠⁠Will an online will work for you? Take this quiz to find out⁠⁠

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!
• Find top health insurance plans at ⁠Health Trust Financial⁠.
• Use code RAMSEY to save 20% at ⁠Mama Bear Legal Forms⁠.
• Visit⁠ NetSuite⁠ today to learn more.
• For more information, go to ⁠SimpliSafe⁠.
• Use promo code RAMSEY for 18% off at ⁠The Nokbox⁠.
• 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

⁠Ramsey Solutions Privacy Policy⁠

Learn more about your ad choices. Visit megaphone.fm/adchoices