What's YOUR Reason For Getting Out Of Debt? 

Buying a house with your husband and in the same month asking for a divorce is crazy.

🌹💕 When we were dating in 1985, Mark would buy me floral arrangements and have them delivered to my office. After marriage and kids when times were tight, he would draw a picture of flowers and send them to my office…via fax! Gifts were more his language; this was a fun compromise.

My husband was trying to buy me diamond hoop earrings from Costco. Now, he doesn’t have his own membership card because I got my membership when I was in university and gave my dad the companion card, and he’s had it ever since (20 years). My husband knew Costco was the cheapest place to get them and that they’re something I’ve always admired. Because we’re military, we don’t live close to family, so he couldn’t ask someone else to take him to Costco. So he finally broke down and told me of his plan to buy me $2k earrings for Christmas. I was like, “heck to the no!” I love them, but I’m wayyy too cheap to pay that much for something I’d put in my ears. I’ll continue to wear my fake jewelry, thank you very much. We do not make these kinds of purchases without discussing first, even gifts.

"I'd rather get married to this man than keep my credit cards."- You go girl that's a wealth mindset and a strong character, LOVE THE MINDSET!

The single mother call resonated with me. I too am currently a single mother of two and it scares me to put my savings towards paying off debt but I’ve also had a scarcity mentality and I’m ready to change that to an abundance mentality now.

My parents told me to buy a mattress set on installments out of grad school at $10 a month for 5 years to get credit. My husband thought that was crazy and paid it off when we got engaged ! 😊

Everyone, please tell me if this has happened to any of you after you got out of debt??? I just paid for my daughter's program in to total. I actually asked "no I want to pay it in full, not payments" The girl said "oh you must have money 🤑" I said no I am just out of debt and I budget for it. "You ever heard of Dave Ramsey???"

I work for FedEx making $37,440 a year. The struggle is real with living expenses going up

I remember the call to Dave when the gentleman called in saying he had 90 days. Heartbreaking yet inspirational at the same time.

RIP to my ears everytime the grocery store commercial comes on

I love the RAMSEY SHOW it's very encouraging and motivational. Dr. Delony's personality is TOTALLY ME. He always makes me laugh, I was very happy to meet him, Dave, and George Kamel in person there in Franklin at Papa Dave's BEAUTIFUL COMPOUND. I can hardly wait to get back to the beautiful state of Tennessee, Franklin, Nashville, Lynchburg, Mephis God bless YOU ALL.

My parents said we had to be 26 to be married. They wanted to make sure we had money and we knew more and had done some of our own things first.

I must say, as a chronic back pain person, a Sleep Number bed is the best purchase I ever made. No, I didn’t finance and it was easily 8 k. I wake up pain free and my life is great !

Love love love the show! Listen just about everyday while working delivering mail and gives me fuel in the tank to stay motivated and strong while working lots of overtime. Anyway, sometime y’all should have an hour or entire show devoted to taking calls from people who paid off their house and their stories around that! I think that would be very encouraging!

Discuss goals and how to get there. How to get there pretty much adds up to the baby steps. Every path to wealth starts with not overspending vs income.

We play Questions for Humans at our local crisis pregnancy parenting classes. They are so fun! Thank you!

38:01 “Whatever debt she has is yours. Whatever debt you have is yours.” Yep! 😂

When you are 80 the last thing you're going to think is "I regret getting married young and having all those extra years to spend with my children and grandchildren" Young men today have messed up priorities and will suffer for their delaying marriage and having children later on.

I love the questions for humans cards. They are so interesting and fun to learn new things about family and friends. Thank you Dr. Delony!

I just love John, his thought paths are so on the point. Great guy. I am not thrilled with this matcho talk between the two, but the way they live it, is totally ok for me.

That church debt free scream was wonderful!!!!

When you said, "You financed a bed?" I thought you said, "bagel." I started laughing, LOL, then thought how many times I've used a credit card for bagels and coffee but didn't pay it off at the end of the month! Financing a bagel and coffee? Whoa!

For years when my siblings and I were growing up, and we were taking vacations, it was usually the choice of our parents that chose the destination -beach or mountains. 😢Now, many years later, I would like to go to some of these places, but do the things I wanted to do years ago. I have some hobbies I can enjoy on these trips and might be able to make some money with photography, gold panning or gem mining while I am on short trips of a week or so.

The game you're going to bring that every dollar budget app to Canada we d love to have it over here

12:18 I've gotta disagree about "Go in there and bust it, do great work, and provide value - will increase your salary over time ..." This is completely wrong when it comes to large companies. They already have you hired for $75k and it's going to be YEARS before she gets enough 3% raises to make $83k. At that point she's still breaking even or undervalued with the rate of inflation. This is the reality of negotiations, get hired for as much as you possibly can so you don't waste away YEARS working your way back up to your desired/deserved value. Don't be afraid to say no or walk away. $2k shouldn't be enough to make you start over at a new company, that's ridiculous! My personal rule of thumb is ask for 20% over my current salary and negotiate/settle at 15% over my current salary. They don't need to know what current salary is. If they do ask tell them that's personal information that you're unwilling to disclose. You'll never see these people again and it's their literal J-O-B to retain as much money for the company as possible. They WILL play hardball so distance yourself emotionally from the negotiation and look at the numbers only. This is YOUR future!

Oh i love those little kids!!! ❤ they've got amazing parents!

Making progress on paying -off my non-recurring debts; I am down to 2 items on my list; my LOC at my bank will be paid off in May paying half of the balance in April and finish in May, and; My FINAL ITEM is an association membership at-off, which can HOPEFULLY be paid off by Christmas! My next project is to buy a used Ford Transit Cargo Van to fix up for camping and traveling. Being on a fixed income, but DEBT-FREE, I may need to finance the van purchase.

Yes, testimonies, stories are so inspiring.

When you are a single 55 year old female, just out of bankruptcy, health issues and with absolutely no assets how do you create a vision for your life??

This was a great episode. Full of wisdom.

My neighbors sold their house in a week. It is currently a seller's market.

I wanted the same thing but it never happened. Having courage, determination and drive to get on the same page can be difficult and challenging. Its frusterating when your spouse doesnt want the same things you do. I wanted to have this common denominator with my spouse. It makes me so sad that this never happened between us and his attitude was kindo of like "youre not going to get to tell me how Im going to spend money". Money slid out of his hands like melted butter and now nothing to show for it. It takes two to tango.

Debit card shows you are paying present debt. Paying credit cards is always living in past debt

Pretty disturbing that a church would go 4 million in debt.

Question: why is it that only one person in the couple wants to go full Ramsey and the other one is against it. What gives??

Can you discuss more about what the ideal team player is?

i love dr. John!!

This was very good show

its always a good time to be a seller if you're a boomer who bought when housing was cheap

Please come to Huntsville, Al

I say I know you may not want to hear this but Dave Ramsey says…… last talk was about bonds any why I said I didn’t want to do it…… she got her way but admitted that next time we will do high yield savings account.

Bros worth 600 million "this is a small business" 😂💀💀

Someone has to do the budget

A church!!! AMEN AMEN AMEN 🙏

My crunch don't numbers! Help me Dave!

Congrats to the Michigan couple im also from there

💝”better than I deserve”💝

Umm well single moms typically don’t have a husband bringing in an income while we stay home..Kinda not the same. But! Congratulations on becoming debt free!! That’s amazing!!

First caller: "Do as I say, not as I do"

Parents are using you for cheap Labor. Even if they don't help you purchase the house there is still control as they are selling it to you and will be involved in every decision. Different house and different job now

Love this all ❤

@10:15 "How Will I Know" - Whitney Houston -

1:41:30 dude, don't tell him to get married, that's going to be a nightmare for him, let him do his thing...jesus christ...

Dave’s marriage advice…..no wonder why there are so many divorces in US 😃

Can anyone tell me the name of bottle which is on the table of Ramsey ,

Thanks for the informative video,your information is incredible, however, knowing that everything related to investing. I advise traders, especially beginners, to research the market before entering it.I have to say there are more benefits to trading than just holding. Big thanks to Evelyn's Infurna who always keeps me updated. I am so glad I started her program.

I sure hope my emergency fund can withstand my bachelor party!

1:44:45 Just imagine the good that they could do for their local community if all of those acquisitions and transactions were taxed appropriately :)))

Wow!! Thomas and Emily. Congrats 👏

The millionaire parents paying their son 30k I mean WOW. That is absolutely pathetic and they should be embarrassed. Anything less than maybe 85k is completely absurd for a 30 year old man

How do you give Papa Dave a ticket 😮 shame on y’all. Ramsey 4 PREZ!!! 🇺🇸 CONGRESS NEEDS FPU!!!!!!!!!

is about to get the job done not how shiny it looks 👍

Do you have any advice on a contract by a solar company that allowed a tenant to sign and now they say they are holding me accountable for the 25 year contract. I even text John Berger (CEO of Sunnova) with no response from him, only a response from his people stating they are aware that I didn't sign the contract but I allowed them to do a credit check and that was all they needed. What kind of lawyer do I need? This happened in NJ on my home I was renting and I live in Florida.

would creating a roth ira for my wife be one a way to get to the 15%? And is HSA included in that 15%? Thanks

He bought her what?

You should have laid down the law before you got married!!!

I finally pulled the trigger and got the Ramsey+ apps/services and couldn’t regret it more. So far the every dollar app doesn’t work. It requires me to reconnect my accounts every hour and so far budgeting on paper is easier than using these apps. The help desk team is just a desk team. They don’t help. Makes me wonder how much of this is actually Dave over how much he’s just the face for. Anybody who stands up on this show and claims the Ramsey plus apps helped is a paid actor.

Imagine being so obsessed with money that you feel guilty about accepting roses from your husband for a decade. That's a problem.

John D is distracting

Take her off the bank account make her have to come to you for money even for groceries

Somewhere along the line someone told delony he was funny.

More money for cocaine.

I’m glad George not on this program this host is the best

Marriage = debt.

Stop playing with your pen dr, is a bit distracting