Where this was said
Ask Ramsey AI: Roth IRA vs. 401k — What Fits My Situation?
At 1:38:17 · chapter starts 1:36:55
Using the 'Ask Ramsey' AI tool, the hosts answer a listener question about whether to prioritize a Roth IRA or 401k. The answer is the Ramsey investing order: always capture the full employer match first (free money), then max the Roth IRA ($7,500 in 2026), then use traditional accounts to reach the 15% gross income target. George emphasizes that the Roth's tax-free growth is the most valuable benefit for most listeners.
You can get a mortgage with literally no credit score — not a low score, zero score. Churchill Mortgage and others do manual underwriting using tax returns, utility bills, and rental history instead of a FICO number. This is how lending worked before the 1990s.
