The Ramsey Show The Ramsey Show

Don’t Let Shame Keep You Stuck

Oct 22, 2026 · 2h 7m

Summary

Listeners seek advice on tithing while in debt, selling inherited land, and managing separate finances. The hosts recommend maintaining giving habits despite student loans, selling a house to avoid a complex deal with employers, and consolidating marital finances to accelerate debt payoff. They also advise a military family to invest savings for a future home purchase and suggest a couple combine their resources to tackle $93,000 in debt within 18 months.

Topics discussed

Ian asks about tithing time vs. money and generosity Discussion on the spiritual benefits of generosity Caller asks about moving mutual funds due to market fear ZipRecruiter sponsorship segment Caller asks about student loan forgiveness and paying off debt Caller discusses sister-in-law paying off her debt Military family asks about buying a house vs. housing Boost Mobile sponsorship segment Promo for Dr. John Deloney's new book Gretchen asks about keeping a house after divorce Advice on avoiding family loans during divorce Shopify sponsorship segment Couple disagrees on selling inherited land CBAC sponsorship segment Jade asks about combining finances with husband CH Ministries sponsorship segment Sam discusses job loss due to AI and debt payoff Thomas asks about selling camper and renting DeleteMe sponsorship segment Ramsey Solutions cruise promotion Heather asks if she should accept a car payoff gift Churchill Mortgage sponsorship segment Caller asks about retirement market volatility Gabby asks about selling house to move to Washington Xander Insurance sponsorship segment Angela asks about advisor suggesting a loan Caller discusses budgeting and credit card habits Caller asks about e-bike safety and credit cards Young couple asks about gifting a car to a friend Ramsey Store pre-order promotion LaShawn shares sobriety journey and debt snowball Ask Ramsey AI tool promotion Ryan asks about bankruptcy vs. debt settlement Caller discusses job offer discrepancy in LA
Listen ad-free on Castria