Speaker
Dave Ramsey
Appearances over time
11 episodes
Episodes
11
Facts Are Your Friends...Not Feelings
Change Your Mindset, Change Your Life
Make Hard Decisions Now So Future You Can Win
Common Sense Beats Clever Money Hacks
Wealth Is Built On Facts, Not Feelings
A Bigger Paycheck Won't Fix Bad Money Habits
You Don't Have to Stay Stuck
Set Money Goals Your Future Will Thank You For
You Aren't Defined By Your Financial Mistakes
Financial Peace Is Built, Not Borrowed
Don’t Let Your Emotions Drive Your Financial Choices
Podcasts
Quotes & moments
Blake Thompson became the first Ramsey employee to reach a 30-year tenure, retiring at age 55 as head of Ramsey Network.
Paying 50% of take-home pay on rent leaves almost no margin for building savings or a down payment.
Dave Ramsey states that 97% of day traders lose everything, citing it as a near-certainty outcome.
Dave told a caller with $550K in stock and a $400K loan against those stocks to simply sell the stock, fire his financial adviser, and become 100% debt-free.
Investing $100 a month from age 25 to 65 at 12% grows to over $1,176,000 — a fact Dave Ramsey says gave him hope at age 23.
Gene, a truck driver, paid off $33,056 in debt in just 3 months by staying on the road and following the Ramsey debt snowball method.
Nick and his wife make nearly $95,000 a year but are broke and living paycheck to paycheck with $41K in debt.
Earning a quarter-million dollars per year is no guarantee of financial health — lifestyle inflation can swallow any income.
Dave Ramsey argues a near-perfect credit score is only achievable by borrowing large sums and paying on time for years, which necessarily costs hundreds of thousands in interest payments.
Dave argued that a financial adviser who told a client not to sell stock to pay off debt was acting in his own interest — he earns fees on managed assets.
Dave Ramsey explained that attacking debts smallest to largest creates a positive feedback loop that increases motivation and willingness to sacrifice deeper as progress becomes visible.
Withdrawing 8% from a 12%-returning mutual fund portfolio still leaves 4% annual growth, meaning the nest egg grows perpetually.
A 23-year-old woman accumulated $175,000 in student loan debt attending an out-of-state school and never finished her degree, leaving her working as a nanny.
The Ramsey Show grew from a single Nashville station to 640 radio stations, becoming the second-largest talk radio show in America.
A caller's husband depleted the entire household savings of roughly $120,000 through day trading over the summer.
A widow secretly spent $1.1 million on cruise ship auction art across six to seven voyages after her husband died. Her sons are getting back just 10–20 cents on the dollar — and Dave's advice is to go straight to the cruise line's PR department and ask for a buyback.
Dave's strategy for the cruise ship art situation is PR leverage, not litigation. Tell the cruise line: a widow spent $1 million on your ships and we're not saying you meant harm — but this happened on your watch. Buy it back, resell it, make your money. Or we go to social media.
A family earning $100,000 a year with no debt can't save a dollar for retirement — because $25,000 goes to private school tuition. The spending isn't wrong, but it's a choice. And choosing private school means simultaneously choosing to have no retirement savings. Own that.
An unmarried woman paid off $15,000 of her boyfriend's debt while living in his mother's beach house and paying the mortgage. If he walks, she gets nothing. Dave's warning is stark: you are legally and relationally exposed in a way most cohabiting couples refuse to see.
Dave's college roommate Jeff is still a friend 40 years later. But Dave never paid a dollar of Jeff's debt. That's the rule. Unmarried people sharing finances are roommates — not spouses — and treating each other like spouses financially creates devastating exposure.
Dave watched a 70-year-old retiree lose $700,000 in three months because she had 100% of her 401(k) in company stock. Dr. Delony knew Enron employees who woke up with nothing. A semiconductor stock tripling in three months is thrilling — and irrelevant. Sell it.
Dave doesn't hate all annuities. Variable annuities in isolation are decent — mutual funds in a tax-deferred wrapper. But the moment they're bundled with long-term care or sold by a life insurance agent calling themselves a fiduciary, run. They're paying double fees for false guarantees.
Dave's startup rule for Derek's veterinary clinic: it will take twice as long and cost twice as much as planned. Buy slightly used equipment from the last vet who went broke. 'Minimal functional' is the mantra. You can launch for $150K if you resist the shiny new gear.
Maria has been fired from nine engineering jobs since 2017, not because she lacks the degree — she has a master's — but because she can't stay calm under pressure. Dave's prescription: make therapy tactical. Role-play the hard scenarios. Practice keeping your cool before you lose another job.
A Silicon Valley couple earning $750,000 was considering Airbnbs for tax advantages. Dave's verdict: the only short-term rentals that create tax benefits are losing ones. And if you want to lose money, just give it to charity — same write-off, none of the midnight sheet changes.
Hugh lost his wife Summer six months ago after 20 years of marriage and called to ask if he'd lost the 'marriage advantage.' Dave's answer: the advantage is a long-run statistical average, not a switch that flips off. And you've already built 20 years of it. Keep living that way.
Medicaid nursing homes are welfare — and like all welfare-funded services, the experience differs meaningfully from private pay. Dave's advice: use the house proceeds to buy private care for your mother rather than qualifying for Medicaid. She has $250,000. Use it.
Matthew's wife bought their home with $500,000 of her inheritance and now wants a divorce. Legally, she may be owed more. Morally, Dave says: return her $500K, split the appreciation equally, leave each other's retirement accounts alone, and call it done.
A couple earning $140,000 a year is still carrying a $3,500 debt to her parents for going over the wedding budget — a deal the wife made without telling her husband. Dave's answer: write the check today. And make a new rule — no money deals with your parents, ever.
When you inherit a capital asset — stock, farm, real estate — your tax basis steps up to the market value at the time of death. Sell it shortly after inheriting and you could owe zero capital gains. The IRS resets the clock when you receive the inheritance.
Analysis
What they talk about
- Business 63%
- Society & Culture 17%
- Education 9%
- Health & Fitness 7%
- Government 1%
- Kids & Family 1%
- Leisure 1%
- Religion & Spirituality 1%
Connections
Shows they appear on and people they share episodes with. Drag to explore.
