Big Debt Requires Bigger Discipline | July 9, 2025

Dave Ramsey and George Kamel answer your questions and discuss:
"How do I navigate refusing a large monetary gift from family due to cultural expectations?"
"I'm about to take on $200,000 of student loans, how do I begin to pay this off?"
"Dave, have you gone soft on Crypto?"
"I'm worried that if I buy a car right now, it will jeopardize my ability to get a home loan"
"How do I support my household on my own when my husband doesn't work?"
"Should I take the buyout or the monthly payments for my pension?"
"How do I ask my boss for a raise?"
"Should I take out a HELOC for home repairs?"
"Should I re-enter the workforce if it means that I will be away from my friends and family more?"
"Is it okay to not buy a home for a couple of years while living in a foreign country?"
"My husband says I'm financially abusive, is he right?"
"Can I go on vacation while I am saving for a house?"
"How do I improve my credit score so I can get balance transfer credit cards?"

From Today's Episode:
📱 Get episodes early in the free Ramsey Network app! ⮕ https://ramsey.solutions/3ctizb
🛡️Get trusted insurance coverage that fits your budget - https://ter.li/27ka0g
📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or send us an email.

Helpful Resources from Ramsey Solutions:
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan - https://ter.li/p3qkzb
💵 Start eliminating debt for free with EveryDollar - https://ter.li/e1h2jj
🏘️ Find a Ramsey Trusted Real Estate Agent- https://ter.li/gmulft
📊 Free Tools & Resources to Help You With Investing – https://ter.li/st2jne

Connect with our Sponsors:
Stop paying more and start shopping smarter at ALDI ⮕ https://ALDI.us
Get 10% off your first month of BetterHelp ⮕ https://www.betterhelp.com/RamseyRadio
Go to Boost Mobile to switch today! ⮕ https://www.boostmobile.com/ramsey
Learn more about Christian Healthcare Ministries ⮕ https://www.chministries.org/budget
Get started today with Churchill Mortgage ⮕ https://www.churchillmortgage.com/
Get 20% off when you join DeleteMe ⮕ https://www.joindeleteme.com/Ramsey
FAIRWINDS Credit Union exclusive account bundle ⮕ https://www.fairwinds.org/ramsey
Find top Health Insurance Plans at Health Trust Financial ⮕ https://www.HealthTrustFinancial.com
Use code RAMSEY to save 20% at Mama Bear Legal Forms ⮕ https://www.MamaBearLegalForms.com
Visit NetSuite today to learn more ⮕ https://www.netsuite.com/Ramsey
Call 844-2-RAMSEY to get started with YRefy ⮕ https://www.Yrefy.com/Ramsey
Visit Zander Insurance for your free instant quote today ⮕ https://www.zander.com/

Explore more from Ramsey Network:
💸 The Ramsey Show Highlights ⮕ https://ter.li/tp4w1h
🧠 The Dr. John Delony Show ⮕ https://ter.li/9l5k9g
🍸 Smart Money Happy Hour ⮕ https://ter.li/dre4oa
💡 The Rachel Cruze Show ⮕ https://ter.li/roya3c
💰 George Kamel ⮕ https://ter.li/2ma765
🪑 Front Row Seat with Ken Coleman ⮕ https://ter.li/pz4wbn
📈 EntreLeadership ⮕ https://ter.li/proqeb

Ramsey Solutions Privacy Policy
https://www.ramseysolutions.com/compa...

Products:
Breaking Free From Broke: https://ter.li/erxgtw
Baby Steps Millionaires: https://ter.li/lc5vki
Build a Business You Love: https://ter.li/gqi49q
Better Than I Deserve YETI® 20 oz. Tumbler in Blue: https://ter.li/k3f3xj
Get Clear Career Assessment: Find the Work You’re Wired to Do: https://ter.li/5x7gbn
Total Money Makeover: https://ter.li/0rvomx
I’m Glad For What I Have by Rachel Cruze: https://ter.li/1wo64p
Smart Money Smart Kids: https://ter.li/jyghza
EveryDollar Premium Version Physical Gift Card: https://ter.li/36f9b6
Questions for Humans: Intimacy https://ter.li/jcaqu4
Money’s Not a Math Problem Quick Read: https://ter.li/cykbq5