Dave Ramsey Show #8497: Jami Paid Off $60K in 3 Months!

Hour 3: Aired on Tuesday, December 6, 2016 - Chris (Terre Haute, IN) is considering going back to school and paying cash for it. They're in Baby Step 2. - Cory (Oklahoma City, OK) asks if the employer match counts toward the 15% Dave recommends in Baby Step 4.  - Dave answers the Blinds.com question of the day. Briana's budget is tight and she can't join in on all the holiday fun at work. How can she politely decline? - Dave talks about the upcoming book signing event (Thursday, 12/15) at the Ramsey Solutions office. - Jake (Boise, ID) asks if he should use savings to pay off debt.  - Alex and Hannah (Nashville, TN) do their debt-free scream from the lobby (Alex is on the Ramsey Solutions team!). They paid off $50,000 in four years.  - Dave explains our team is all-in on what we teach.  - Dave shares the Scripture and quote of the day.  - Dave answers Jude's question from Twitter. Which of Dave's books would he recommend to a college student in their senior year?  - Dave answers Reed's question from Twitter. Can couches, computers and clothes add to his net worth? - Dave answers Taylor's question from Twitter. What advice would Dave give a medical student with no debt?  - Dave answers Sandy's question from Facebook. What are Dave's thoughts about transferring an IRA over to gold? - Dave answers Sarah's question from Facebook. Can her husband add an extra insurance policy?  - Steve (Annapolis, MD) asks how to approach Baby Steps 4, 5 and 6. Should they skip Baby Step 5 until they pay off the house?

Dave Ramsey Show #8496: Sarah Wins $15K in the Making Futures Bright Giveaway!

Hour 2: Aired on Tuesday, December 6, 2016 - Ted (Dayton, OH) is concerned they have too many funds. Should they invest in REITs (Real Estate Investment Trusts)? - Rene (San Francisco, CA) feels he may need more life insurance.  - Stephen (Atlanta, GA) is investing while in Baby Step 2. Should he stop? - Marsha (Portland, OR) owns a rental property free and clear. Should they sell it to pay off their personal home? - Phillip (Kansas City, MO) asks if they should pay off their mortgage and sell the house, or remodel and rent it out.  - Jami (Seattle, WA) does her debt-free scream after paying off $60,000 in three months.  - Scott (Spartanburg, SC) is a truck driver and doesn't live in a home. Should he be flipping houses? - Andy (Halifax, Nova Scotia) asks what area of financial planning is behavior more important than the math.  - Dave rants about investments and how the rate of return is dependent on you putting money in. 

Dave Ramsey Show #8495: 35 Credit Cards

Hour 3: Aired on Monday, December 5, 2016 - Jacob (Sacramento, CA) wants to know when it is okay to buy a new car. - Tyler (Iowa City) wonders when he should pay off his business loans. - Dave explains when you own a business, you don't have a "business debt." It's personal because you signed for it. - Alex (New York) asks if he needs an umbrella liability insurance policy. Does it cover car wrecks? - Paris (New Orleans) has a volatile income. Should she save more than $1,000 for her emergency fund before she pays off debts? - Bret and Chelsea (Kalamazoo, MI) give their debt-free scream from the lobby. They paid off $114,418 in 22 months. - Dave shares the Scripture and quote of the day.  - Dave talks about the $10 Sale at daveramsey.com. - Susan (New York) has 35 credit cards. How does she start paying down debt when she has trouble keeping up with the minimum payments? - Patrick (Springfield, MO) has a bad annuity. How does he get out of it?

Dave Ramsey Show #8494: Should Ed Buy Two Lake Houses

Hour 1: Aired on Monday, December 5, 2016 - Deanna (Ft. Benning, GA) is in her second bankruptcy and wonders how to get a foothold on her budget. - Dave talks about the 12 Deals of Christmas at daveramsey.com. - Tammy (Colorado Springs) asks if she needs to sell her commercial real estate to pay off the house. - David (Indianapolis) needs to know if he's on the right financial track. - Dave answers the Blinds.com question of the day. Beth is graduating from high school and asks if she needs a credit score. Why or why not? - Jonathan and Heather (Columbus, OH) give their debt-free scream. They paid off $88,000 in 16 months! - Dave answers a question from Twitter. Tanner asks if there are PMI (private mortgage insurance) payments with a VA loan. - Jarvis (New Orleans) is living in a duplex he owns and wants to keep it for an income. Should he pay it off before buying a personal residence? - Jasmine (Tallahassee, FL) was offered three loans to refinance her home and asks which one she should take. - Dave answers a question from Facebook. Christian asks if all mutual funds earn interest or just dividends.

                     

Dave Ramsey Show #8493: The Right Financial Track

Hour 1: Aired on Monday, December 5, 2016 - Deanna (Ft. Benning, GA) is in her second bankruptcy and wonders how to get a foothold on her budget. - Dave talks about the 12 Deals of Christmas at daveramsey.com. - Tammy (Colorado Springs) asks if she needs to sell her commercial real estate to pay off the house. - David (Indianapolis) needs to know if he's on the right financial track. - Dave answers the Blinds.com question of the day. Beth is graduating from high school and asks if she needs a credit score. Why or why not? - Jonathan and Heather (Columbus, OH) give their debt-free scream. They paid off $88,000 in 16 months! - Dave answers a question from Twitter. Tanner asks if there are PMI (private mortgage insurance) payments with a VA loan. - Jarvis (New Orleans) is living in a duplex he owns and wants to keep it for an income. Should he pay it off before buying a personal residence? - Jasmine (Tallahassee, FL) was offered three loans to refinance her home and asks which one she should take. - Dave answers a question from Facebook. Christian asks if all mutual funds earn interest or just dividends.

                  

Dace Ramsey #8492: Kimberly and Reginald Paid Off $135K in 14 Months

Hour 3: Aired on Friday, December 2, 2016 - Kevin (Springfield, MO) asks if he needs a car repair fund. - John (Midland-Odessa, TX) has $12,000 in cash. Should he put it toward the house?  - Dave talks about the show's return to SiriusXM. - Nick (Boise, ID) asks how to get started.  - Jennifer (Tulsa, OK) is considering buying a small business.  - Kimberly and Reginald (Tuskegee, AL) give their debt-free scream. They paid off $135,000 in just 14 months!  - Dave shares the Scripture and quote of the day. - Dave answers Kelsey's Twitter question. Is buying a tiny house as bad as buying an RV?  - Julie (Grand Rapids, MI) asks what the difference is between a living trust and a regular trust that becomes active upon death

                     

Dave Ramsey #8491: Should Flavio Pay Off the House or Make Repairs

Hour 2: Aired on Friday, December 2, 2016 - Flavio (Manchester, NH) is caught between paying off the house or making repairs. - Jim (Louisville, KY) is considering a new mortgage.  - Dave talks about the Making Futures Bright $100,000 Giveaway and how Financial Peace University makes a great Christmas gift.  - Dave answers the Blinds.com question of the day. Candace is behind on her house, cars, and credit cards. How can she catch up on the payments? - Jesse (San Antonio, TX) is a new listener. How can he get started on Dave's plan? - Will and Bethany (Lexington, KY) give their debt-free scream. They paid off $28,000 in 23 months.  - Dave rants about how important it is to get your money in order.  - Dave talks about the 12 Deals of Christmas at daveramsey.com.  - Natalie (New York) asks which job she could take.