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Dave Ramsey and Rachel Cruze answer your questions and discuss:
"As a single mom, what is the best way to get rid of a day care debt that is past due?"
"My boyfriend and I both have student loan debt, how do we start investing once we are debt-free?"
"We are in Baby Step 3 and wanting to set up a special needs trust for our child. Should we pause Baby Step 3?"
"I have an inconsistent income and 4 kids. While paying off debt, how much should we keep in savings?"
"As a truck driver, should I live out of my truck versus buying a home to save money, or is that being too frugal?"
"How do you pay off your credit cards when the minimums are half my take-home pay?"
Next Steps:
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🧮 Set and actually reach your goals with the NEW 2026 Ramsey Goal Planner! Hurry—they sell out every year!
🏠 Get organized and prepared to buy or sell a home.
🛡️Get trusted insurance coverage that fits your budget
📚 Set and actually reach your goals with the NEW 2026 Ramsey Goal Planner! Hurry—they sell out every year!
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Explore more from Ramsey Network:
💸 The Ramsey Show Highlights
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🍸 Smart Money Happy Hour
💡 The Rachel Cruze Show
💰 George Kamel
🪑 Front Row Seat with Ken Coleman
📈 EntreLeadership
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Dave Ramsey and Rachel Cruze answer your questions and discuss:
"As a single mom, what is the best way to get rid of a day care debt that is past due?"
"My boyfriend and I both have student loan debt, how do we start investing once we are debt-free?"
"We are in Baby Step 3 and wanting to set up a special needs trust for our child. Should we pause Baby Step 3?"
"I have an inconsistent income and 4 kids. While paying off debt, how much should we keep in savings?"
"As a truck driver, should I live out of my truck versus buying a home to save money, or is that being too frugal?"
"How do you pay off your credit cards when the minimums are half my take-home pay?"
Next Steps:
✔️ Help us make the show better. Please take this short survey.
📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or send us an email.
📱 Get episodes early in the free Ramsey Network app!
💵 Start your free budget today. Download the EveryDollar app!
🧮 Set and actually reach your goals with the NEW 2026 Ramsey Goal Planner! Hurry—they sell out every year!
🏠 Get organized and prepared to buy or sell a home.
🛡️Get trusted insurance coverage that fits your budget
📚 Set and actually reach your goals with the NEW 2026 Ramsey Goal Planner! Hurry—they sell out every year!
Connect With Our Sponsors:
Stop paying more and start shopping smarter at ALDI.
Get 10% off your first month of BetterHelp.
Go to Boost Mobile to switch today!
Go to Casper Sleep and use promo code RAMSEY to learn more.
Learn more about Christian Healthcare Ministries.
Get started today with Churchill Mortgage.
Get 20% off when you join DeleteMe.
Go to FAIRWINDS Credit Union for an exclusive account bundle!
Find top health insurance plans at Health Trust Financial.
Use code RAMSEY to save 20% at Mama Bear Legal Forms.
Visit NetSuite today to learn more.
For more information, go to SimpliSafe.
Get started with YRefy or call 844-2-RAMSEY.
Visit Zander Insurance for your free instant quote today!
Explore more from Ramsey Network:
💸 The Ramsey Show Highlights
🧠 The Dr. John Delony Show
🍸 Smart Money Happy Hour
💡 The Rachel Cruze Show
💰 George Kamel
🪑 Front Row Seat with Ken Coleman
📈 EntreLeadership
Ramsey Solutions Privacy Policy