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Dave Ramsey and Rachel Cruze answer your questions and discuss:
"Should I pay off my HELOC first in my debt snowball?"
"Is it possible to graduate Baby Step 4?"
"We're expecting $500,000 from the sale of a business. How do we best use these funds?"
"How do I break the news to my wife that we are broke and $500,000 in debt?"
"I own my own business and haven't been saving for taxes. How do I get out of this mess and keep the business going?"
"Can I change my career now that I've finished Baby Step 2?"
"Should we consider our rental property as debt in Baby Step 2?"
"How do I get out of a motorcycle I'm upside down on?"
"How can I convince my husband that we need to create a joint account?"
"My wife wants to take a trip to Europe but I would rather keep investing 40% of our income."
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!
📈 Are you on track with the Baby Steps? Get a free personalized plan.
🏠 Get organized and prepared to buy or sell a home.
🎟️ Two Weekends. One Life-Changing Experience. Get away with your spouse in Nashville.
💵 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 …
🛡️ Protect yourself with trusted insurance coverage that fits your budget.
Connect With Our Sponsors:
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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
Dave Ramsey and Rachel Cruze answer your questions and discuss:
"Should I pay off my HELOC first in my debt snowball?"
"Is it possible to graduate Baby Step 4?"
"We're expecting $500,000 from the sale of a business. How do we best use these funds?"
"How do I break the news to my wife that we are broke and $500,000 in debt?"
"I own my own business and haven't been saving for taxes. How do I get out of this mess and keep the business going?"
"Can I change my career now that I've finished Baby Step 2?"
"Should we consider our rental property as debt in Baby Step 2?"
"How do I get out of a motorcycle I'm upside down on?"
"How can I convince my husband that we need to create a joint account?"
"My wife wants to take a trip to Europe but I would rather keep investing 40% of our income."
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!
📈 Are you on track with the Baby Steps? Get a free personalized plan.
🏠 Get organized and prepared to buy or sell a home.
🎟️ Two Weekends. One Life-Changing Experience. Get away with your spouse in Nashville.
💵 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 …
🛡️ Protect yourself with trusted insurance coverage that fits your budget.
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