The Ramsey Show The Ramsey Show

Discipline Is the Difference Between Broke and Wealthy

Aug 4, 2026 · 2h 8m

Summary

Dave Ramsey and Rachel Cruze advise a couple to end their habit of borrowing from parents by establishing equal financial decision-making in their marriage. They guide a wealthy listener on prioritizing debt-free status before front-loading retirement, while urging another to sell a car to afford better daycare. Finally, they discuss ethical investing options and counsel a former project manager struggling with low income as a personal trainer.

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