Prepare For Your Future Instead of Paying For Your Past
The Ramsey Show
- 230 views
- 3 months ago
- 01:57:30
💵 Sign-up for EveryDollar today - The simplest way to budget for your life! George Kamel & Ken Coleman answer your questions and discuss: "We disagree about how the 'fun money' in the budget can be used," "Should I work for my dad?" "How should I save for kids college?" "Should I use interest from my RobinHood account to lease a car?" "Can I stop working 3 jobs since I'm almost done with Baby Step 2?" Support Our Sponsors: Christian Healthcare Ministries BetterHelp Zander Insurance NetSuite Neighborly Next Steps 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! 🎟️ It's game on! Get your ticket for Total Money Makeover Weekend. 💼 Find the career you were born to do! 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 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy
To Build Wealth You Must First Change Your Behavior
The Ramsey Show
- 250 views
- 3 months ago
- 01:57:22
💵 Sign-up for EveryDollar today - The simplest way to budget for your life! George Kamel & Dr. John Delony answer your questions and discuss: "Setting boundaries with friends and family," "What's the best way to invest my money?" "How can I pay off $460K of student loan debt?" "Setting kids up for success," Why you have to change your behavior if you want to win with money. 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! Support Our Sponsors: Eight Sleep BetterHelp Zander Insurance Neighborly Next Steps ❤️ Money & Marriage Getaway is back! Get your tickets today! 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 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy
Increasing Your Income Jumpstarts Your Wealth-Building
The Ramsey Show
- 210 views
- 3 months ago
- 01:57:47
💵 Sign-up for EveryDollar today - The simplest way to budget for your life! Jade Warshaw & Ken Coleman answer your questions and discuss: "How can I add fun into my budget?" "Should I finance building a new house?" Ken and Jade weigh the pros and cons of paternity leave, "I am completely unhappy at my new job," "Should we sell our house to pay off debt?" 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! Support Our Sponsors: Zander Insurance USCCA Churchill Mortgage Neighborly Next Steps 💡Keep your employees happy, hired, and thriving with SmartDollar. ☂️Protect yourself with the right coverage—take our coverage quiz! 🏠 Find a Ramsey Trusted Real Estate Agent 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 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy
THIS Is How You Set Yourself Up for Success
The Ramsey Show
- 240 views
- 3 months ago
- 01:57:01
💵 Sign-up for EveryDollar today - The simplest way to budget for your life! Dr. John Delony & Rachel Cruze answer your questions and discuss: "My husband lied to me about his debt," "What should our financial goals be?" "My wife won't be gazelle intense to pay off debt?" "Can I afford to buy a new car?" "How can I start my debt snowball?" 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! Support Our Sponsors: NetSuite Zander Insurance BetterHelp Neighborly Next Steps 📈 For help with investing, get connected with a SmartVestor Pro. 🎟️ Money & Marriage Getaway is back! Get your tickets today! ☂️Protect yourself with the right coverage—take our coverage quiz! 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 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy
You Don’t Have To Live Paycheck-to-Paycheck!
The Ramsey Show
- 260 views
- 3 months ago
- 01:58:27
💵 Sign-up for EveryDollar today - The simplest way to budget for your life! George Kamel & Ken Coleman answer your questions and discuss: "Should we buy a house or keep renting?" "I just lost my job, what should I do?" "What ever happened to haggling at car dealerships?" "I'm 60 and having nothing in retirement," "How can I find a more fulfilling job?" 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! Support Our Sponsors: BetterHelp Christian Healthcare Ministries NetSuite Zander Insurance Neighborly Next Steps ☂️Protect yourself with the right coverage—take our coverage quiz! 🏠 Find a Ramsey Trusted Real Estate Agent 📄 Need help with your taxes? See who we trust. 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 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy
Navigating Financial Anxiety and Uncertainty
The Ramsey Show
- 210 views
- 3 months ago
- 01:57:23
💵 Sign-up for EveryDollar today - The simplest way to budget for your life! Jade Warshaw & Dr. John Delony answer your questions and discuss: "My husband's drinking problem has led to hidden debt I just found out about," "I'm nervous to start the Baby Steps," "A friend lost $600K of my money day trading, what can I do?" "Dealing with a new car loan," "I have $100K in debt and my life is expensive" 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! Support Our Sponsors: Churchill Mortgage Zander Insurance USCCA BetterHelp Neighborly Next Steps ❤️ Money & Marriage Getaway is back! 🏘️ Buy, sell, and invest the right way using Dave’s proven plan. 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 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy
Hope Is the Key to Winning With Your Money
The Ramsey Show
- 290 views
- 3 months ago
- 01:57:18
💵 Sign up for EveryDollar today - Create a free Budget! George Kamel & Rachel Cruze answer your questions and discuss: "My husband doesn't know about our debt," "What should I do with the money I'm saving?" "My husband wants to spend my inheritance," "Should I keep paying high rents to avoid high mortgage rates?" "Is Airbnb arbitrage a good option for me?" "We disagree on how quickly to pay off debt." 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! Support Our Sponsors: BetterHelp Zander Insurance NetSuite The Chosen Neighborly Next Steps 🎟️It's game on! Get your ticket for Total Money Makeover Weekend. 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 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy
You Have To Get to the Root of Your Debt Problem
The Ramsey Show
- 270 views
- 3 months ago
- 01:56:47
💵 Sign up for EveryDollar today - Create a free Budget Rachel Cruze & George Kamel answer your questions and discuss: "I became a millionaire and now my family keeps asking me for money," "My mom opened a credit card in my sister's name," All about high-yield savings accounts, "How much truck can I afford?" "Should we move to a cheaper neighborhood?" Dealing with FOMO during the debt snowball. 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! Support Our Sponsors: Christian Healthcare Ministries BetterHelp Zander Insurance Neighborly Next Steps 💰 What Is a High-Yield Savings Account and Do I Need One? 🎟️It's game on! Get your ticket for Total Money Makeover Weekend. 🏠 Find a Ramsey Trusted Real Estate Agent 📄 Need help with your taxes? See who we trust. 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 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy
Don't Cheat Tomorrow for Today's Whims
The Ramsey Show
- 270 views
- 3 months ago
- 01:58:26
💵 Sign up for EveryDollar today - Create a free Budget! Ken Coleman & Rachel Cruze answer your questions and discuss: How to decide if you should take a pay cut to spend more time with family. The real risks of taking out a HELOC to build another home. The reality of fighting through shame to gain financial freedom. Why working two full-time remote jobs is more exhausting than beneficial. The best ways to navigate life after medical emergencies. 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! Support Our Sponsors: Zander Insurance Churchill Mortgage The Chosen BetterHelp Neighborly Next Steps 👍 Help us make the show better! Please fill out this quick survey! 📄 Need help with your taxes? See who we trust. 🎟️It's game on! Get your ticket for Total Money Makeover Weekend. 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 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy
Are You Sick and Tired of Being Sick and Tired?
The Ramsey Show
- 240 views
- 3 months ago
- 01:57:39
💵 Sign up for EveryDollar today - Create a free Budget! Jade Warshaw & Ken Coleman answer your questions and discuss: "How do I pay off these student loans?" "How can I increase my income?" "How can I pay off debt and build my savings?" "How do I deal with incompetent coworkers?" "How much car can I afford to buy?" "Am I throwing away money by renting?" 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! Support Our Sponsors: USCCA NetSuite Churchill Mortgage Zander Insurance Neighborly Next Steps 👍 Help us make the show better! Please fill out this quick survey! 📄 Need help with your taxes? See who we trust. 🎟️It's game on! Get your ticket for Total Money Makeover Weekend. 🏠 Find a Ramsey Trusted Real Estate Agent 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 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy
Don’t Be Middle Class Fancy (aka Broke)
The Ramsey Show
- 260 views
- 3 months ago
- 01:57:34
💵 Sign up for EveryDollar today - Create a free Budget! George Kamel & Jade Warshaw answer your questions and discuss: "Should I finance a $46k car when I make $42k a year?" Tacky or Hacky: are these legit ways to save money at restaurants? "How should I use my tax return?" "Should I ask my family to buy me a house?" Do these 3 things to set yourself up for retirement. 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! Support Our Sponsors: The Chosen Zander Insurance BetterHelp USCCA Neighborly Next Steps 👍 Help us make the show better! Please fill out this quick survey! 🎟️It's game on! Get your ticket for Total Money Makeover Weekend. 📄Need help with your taxes? See who we trust. File Your Taxes The Ramsey Way 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 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy
Don’t Be Your Own Worst Enemy!
The Ramsey Show
- 250 views
- 3 months ago
- 01:57:40
💵 Sign up for EveryDollar today - Create a free Budget! Jade Warshaw & Rachel Cruze answer your questions and discuss: "I feel stuck in a problem I didn't cause," Why you should never try to time the market, 5 reasons to get ANY job (not just wait for your dream job), Why you should think twice before pulling money out of your 401(k) for a hardship withdrawal, "Am I being too financially judgmental about the people I date?" 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! Support Our Sponsors: USCCA The Chosen BetterHelp Zander Insurance Neighborly Next Steps Why You Shouldn’t Withdraw From Your Retirement to Pay Off Debt 👍 Help us make the show better! Please fill out this quick survey! 🏠 Find a Ramsey Trusted Real Estate Agent 🎟️ It's game on! Get your ticket for Total Money Makeover Weekend. 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 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy
There’s a Freedom You Can’t Put a Price On
The Ramsey Show
- 250 views
- 3 months ago
- 01:57:53
💵 Sign up for EveryDollar today - Create a free Budget! Dr. John Delony & Ken Coleman answer your questions and discuss: "How can I get my wife to come to the table to budget with me?" "I lost a bet so I have to call the show..." "How do I get my husband to take the lead?" "I feel like I'm worth more than I'm being paid," "Am I able to retire?" 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! Support Our Sponsors: Churchill Mortgage BetterHelp Zander Insurance The Chosen Neighborly Next Steps 👍 Help us make the show better! Please fill out this quick survey! 🎟️ It's game on! Get your ticket for Total Money Makeover Weekend 🏠 Find a Ramsey Trusted Real Estate Agent 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 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy
Being an Adult Means Delaying Gratification
The Ramsey Show
- 240 views
- 4 months ago
- 01:58:13
💵 Sign up for EveryDollar today - Create a free Budget! Rachel Cruze & George Kamel answer your questions and discuss: "My wife gets mad when I bring up budgeting," "My husband wants to finance a $90K truck," Getting rid of a $347k HELOC, "My ex-boyfriend left me with an RV payment I can't afford," (why you can't be generous with money you don't have, The ultimate mortgage hack, "Can I use my emergency fund to buy a newer car?" 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! Support Our Sponsors: BetterHelp Zander Insurance NetSuite USCCA Neighborly Next Steps 👍 Help us make the show better! Please fill out this quick survey! 🎟️ It's game on! Get your ticket for Total Money Makeover Weekend ☂️ Protect yourself with the right coverage—take our coverage quiz! 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 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy
Drop the Excuses and Embrace the Suck!
The Ramsey Show
- 260 views
- 4 months ago
- 01:58:45
💵 Sign up for EveryDollar today - Create a free Budget! Jade Warshaw & George Kamel answer your questions and discuss: "Should I keep renting or buy a house?" What you need to know about taxes in 2024, Getting out of an upside-down vehicle, What are the 7 Baby Steps? When parents guilt trip their kids over money, Why you have to drop your excuses and embrace the suck, or else be satisfied with your current state. 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! Support Our Sponsors: Zander Insurance Eight Sleep The Chosen BetterHelp Neighborly Next Steps Tax Season 2024: What You Need to Know (and Looking Ahead to 2025) 👍Help us make the show better! Please fill out this quick survey! 🎟️ It's game on! Get your ticket for Total Money Makeover Weekend. 🏠 Find a Ramsey Trusted Real Estate Agent 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 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy
Your Income Is a Key Ingredient to Building Wealth
The Ramsey Show
- 240 views
- 4 months ago
- 01:56:54
💵 Sign-up for EveryDollar today - The simplest way to budget for your life! Jade Warshaw & Ken Coleman answer your questions and discuss: "I'm worried about using savings to pay off debt," "Is the stability of a full-time job worth a pay cut?" Why increasing your income is key to paying off debt and building wealth, "What's the best way to use extra income?" 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! Support Our Sponsors: NetSuite Christian Healthcare Ministries Zander Insurance Churchill Mortgage Neighborly Next Steps 👍 Help us make the show better! Please fill out this quick survey! 🎟️ It's game on! Get your ticket for Total Money Makeover Weekend. 📈 For help with investing, get connected with a SmartVestor Pro. 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 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy
Choose Peace Over Payments
The Ramsey Show
- 290 views
- 4 months ago
- 01:57:41
💵 Sign-up for EveryDollar today - The simplest way to budget for your life! George Kamel & Jade Warshaw answer your questions and discuss: "Convince me why I should pay off my debt instead of keeping money in a high-yield savings account," The best ways to get out of a poverty mindset, "My in-laws want to "help us" buy a house," George and Jade layout some great side-hustle ideas, "Can I afford to buy a boat?" 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! Support Our Sponsors: Zander Insurance The Chosen BetterHelp NetSuite Neighborly Next Steps Insurance Score: How Insurance Providers Use Your Credit Score, 🎟️It's game on! Get your ticket for Total Money Makeover Weekend. 🏠 Find a Ramsey Trusted Real Estate Agent 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 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy
You Can’t Complain Your Way to a Better Life
The Ramsey Show
- 230 views
- 4 months ago
- 01:57:19
💵 Sign-up for EveryDollar today - The simplest way to budget for your life! Jade Warshaw & Ken Coleman answer your questions and discuss: "Should I pay off my house?" "Is it greedy to have a monthly income goal?" "Which debt should I pay off first?" Why you can't blame your way to a better life, "I've got a pile of debt and don't know what to do," "What's the best way to build wealth?" 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! Support Our Sponsors: Zander Insurance BetterHelp USCCA Neighborly Next Steps 👍 Help us make the show better! Please fill out this quick survey! 🎟️It's game on! Get your ticket for Total Money Makeover Weekend. 📄 Need help with your taxes? See who we trust. 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 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy
Break the Paycheck-to-Paycheck Cycle
The Ramsey Show
- 320 views
- 4 months ago
- 01:57:49
Jade Warshaw & Rachel Cruze answer your questions and discuss: Going back to school while paying off debt, Getting on the same page with a significant other, "In dating, when do you discuss 'non-negotiables'?" "What should I do after getting a pay raise?" "How can I invest while in college?" "Am I paying off my mom's debt the right way?" What salary is considered "middle class"? "Should we sell our rental properties?" "What should I do as a recent college grad?" "Should I take out a 0% interest loan?" "Should we buy a house?" "Where should we be saving for a house?" "Invest or pay off our home before having kids?" Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Support Our Sponsors: USCCA BetterHelp Zander Insurance Neighborly Have more money and less stress with George Kamel's NEW book, Breaking Free From Broke! Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy
Escape the Gravitational Pull of Stupid
The Ramsey Show
- 310 views
- 4 months ago
- 01:56:11
Dave Ramsey & Ken Coleman answer your questions and discuss: "Where should we be saving after selling a house?" "Should we continue working for family?" "Should I repair or replace my totaled car?" "How do we start a business without debt?" What it means that mortgage rates are dropping, "How do I build wealth as a teacher?" "I feel discouraged about money," "What's the best way to become a pilot?" "Saving for a ring while paying off debt," "What is considered a 'good income'?" "How much house can we afford?" "I don't want to be a sugar mama," "How do I pick the right career?" "Struggling with spending after paying off debt" Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Support Our Sponsors: Churchill Mortgage Zander Insurance BetterHelp Neighborly Have more money and less stress with George Kamel's NEW book, Breaking Free From Broke! Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy