The Ramsey Show

Podbit · The Ramsey Show

Building Wealth Requires Trusted Principles, Not Popular Opinions

Explore episode Jul 3, 2026

Where this was said

Jessica in San Francisco: 56 and Scared About Retirement

At 1:30:50 · chapter starts 1:28:35

Jessica from the Bay Area calls on her birthday — she's just turned 56 — and opens with a combination of overwhelm, fear, and embarrassment. She spent her entire 30s disabled, went back to work in her 40s living paycheck to paycheck, put herself through grad school to double her income, built up a 401k, got laid off for 18 months, and just returned to work a few months ago. She has $127,000 in her 401k, earns $140,000 per year with a 10% annual bonus, owns a paid-for car worth $26,000, has $10,000 remaining on a car loan, $16,000 in savings, and owns her home in the Bay Area. Jade stops her mid-sentence: $127,000 is not nothing. The hosts begin building her financial picture.

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