George Kamel Warns Debt Relief Clients: Get Out Now
“It’s like a Planet Fitness. They get you in real easy, but to get out, it’s an act of Congress.” That’s how George Kamel recently described debt relief programs on The Ramsey Show. If…
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Carl Sullivan
What to Do When Your Spouse Busts the Budget Mid-Month
Ella, 35, from Dallas is a stay-at-home mom with two kids and another on the way. Her husband is the sole earner with a mentally draining job and a 45-minute commute each way. But…
Cancer Patient Paid Off Mortgage Early. Did She Make a Huge Mistake?
A distressed cancer patient called into The Ramsey Show recently, worried that she had made a huge error. “Two weeks ago for my 62nd birthday, I paid my mortgage off 16 years early,” she…
Single Mom Gets Relationship and Financial Advice, and the Two Are Related
Shayna is pregnant, working two jobs and heavily in debt, but she’s thinking about buying a new car. She lives with the baby’s father but they’re not married. When she called into The Ramsey…
Clark Howard Says Dump Your Coverdell ESA for a 529 Plan: Here’s Why
Many parents and grandparents wanting to save for children’s education have heard of 529 college-savings plans. But did you know about the Coverdell education savings account (ESA)? And which is better? A recent caller…
Why Dave Ramsey Says You’ll Never Build Wealth While Making Car Payments
“I have never met someone that became a millionaire when they owned cars with payments,” financial host Dave Ramsey recently told Bridger, a 21-year-old from Salt Lake City. Bridger and his 20-year-old wife earn…
Ramsey to Single Mom With $74K in Debt: You Can Be a Millionaire at Son’s Wedding
A 30-year-old single mother carrying $74,000 in debt wants to know whether she should open a 529 college-savings account for her 4-year-old son. Dave Ramsey had a quick answer for the caller on his…
I Have $45K in Debt. Should I Invest in an IRA or Pay the Bills First?
A 32-year-old with $45,000 in non-mortgage debt recently called into The Ramsey Show to ask: “Would it be smart for me to open up a Roth IRA now even though I’m still in debt…
30% of Your Retirement Savings in One Company? Bad Idea, Says Wes Moore
Billy from Georgia is 45 years old, hopes to retire at 55, and has a problem disguised as an asset. As part of his compensation, Billy’s company pays Restricted Stock Units (RSUs). Those shares…
Does the “100 Minus Your Age” Investing Rule Still Work? What Wes Moss Thinks
The 100-minus-your-age rule has been handed down through decades of personal finance advice without much scrutiny. The idea is simple: Subtract your age from 100, and that number is the % of your portfolio…
Spouse’s Debt Is Like Cocaine: Advice for Couples With Radically Different Financial Strategies
A caller earning $170,000 annually recently called The Ramsey Show, frustrated with her husband’s habit of cycling through balance transfer cards and buy-now-pay-later programs. Her husband earns $65,000 and justifies each move with “It’s…
41-Year-Old With $0 Retirement: Don’t Panic. Dave Ramsey Says He Can Still Be a Millionaire
A 41-year-old with a paid-off house, zero debt, and only $800 in monthly expenses recently called into The Ramsey Show, presenting one of the more unusual financial profiles host Dave Ramsey has ever encountered.…
Should You Ever Loan Money to Your Kids? Dave Ramsey Says “No!”
Megan from New Jersey didn’t expect a car accident to become a lesson in family dynamics. After the crash totaled her vehicle, her emergency fund covered the hospital bill, but her parents stepped in…
Dave Ramsey’s Tough Advice for 64-Year-Old on Disability
“$2,300 minus $1,700 equals Sally doesn’t have food,” said Dave Ramsey on a recent segment of his show. Sally, a 64-year-old woman on Social Security disability, had called about $9,000 in credit card debt.…
Dave Ramsey Blasts $25,000 Funeral Cost. What’s the Max You Should Pay?
A caller named Jeff from Austin, Texas, told Dave Ramsey that his mother was quoted $25,000 for a pre-paid funeral package, complete with a payment plan. The popular financial radio host didn't hesitate to…
Medicare Premium Growth Often Exceeds Inflation
Medicare is the federal health insurance program for retirees, but it’s not entirely free for most people. While the majority get Medicare Part A (hospital insurance) for free, there are monthly premiums for Part…
How Social Security Benefits Get Recalculated After Retirement
Once you start collecting Social Security, your monthly benefit can shift every year. Beyond the annual cost-of-living adjustment, which came in at 2.8% for 2026, the SSA automatically recalculates your benefit if you keep…
Why January Social Security Checks Are Often Smaller
April is famously called the cruelest month, but January can pack some nasty surprises too. Beyond the cold weather in many parts of the country, retirees often see smaller Social Security checks in the…
Medicare Enrollment Mistakes Can Lead to Permanent Penalties
Missing deadlines is almost never a good thing, and that’s especially true when it comes to Medicare, the federal health insurance program for retirees. Nearly 70 million Americans are enrolled already, and about 4.1…
How Dwindling Social Security Trust Fund Could Impact Your Benefits in Just 6 Years
About 75% of adults aged 50 and up worry that Social Security will run out of funding in their lifetime. And younger generations don’t think they’ll ever see a dime of the Social Security…