Real money calls, clear next moves.
The gist
Ramsey Everyday Millionaires is built around practical financial cross-examinations: a windfall, a weak advisor, a paid-off house, a market fear. The advice is blunt, numbers-first, and rooted in taking responsibility before chasing returns.
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About Ramsey Everyday Millionaires
Ramsey Everyday Millionaires is a caller-driven personal finance show focused on the decisions that turn households toward financial stability. It is practical first. The episodes move through real dilemmas: a $2.6 million medical malpractice lawsuit, retirement money still exposed to the stock market, a wiped-out savings account after penny-stock trading, and the question of how hard to keep pushing on a mortgage. The show treats money as behavior before it treats it as math. That gives the conversations their edge. Callers are asked what they know, what they owe, what they earn, and what they have actually decided instead of outsourcing responsibility to fear or vague advice. A recurring theme is counsel without surrendering control. Financial advisors appear as teachers and guides, not as people who should quietly manage a listener’s financial life while the listener stops paying attention. The show is skeptical of panic. Market highs, conservative funds, annuities, CDs, index funds, mutual funds, and retirement withdrawals are discussed through long time horizons and clear tradeoffs. It also prizes debt freedom. Paid-off homes, emergency funds, and the later baby steps are treated as foundations for freedom rather than trophies. The pacing is direct. Short encouragement can turn quickly into a hard correction when a caller’s story does not add up. That bluntness is part of the product. The advice is usually simple, but it is not casual. Ramsey Everyday Millionaires works best for listeners who want to hear household finance handled at the kitchen-table level, with enough numbers to be useful and enough pressure to expose weak thinking. It is less about market commentary than financial posture. The show keeps asking the same underlying question: what is the responsible next move?
Made for: For listeners trying to get out of debt, retire with confidence, manage a windfall, choose investments, or take a more active role with a financial advisor. It especially suits people who prefer direct, rules-based guidance over soft encouragement.
What sets it apart: The show turns caller uncertainty into concrete financial judgment, often correcting the caller’s assumptions in real time. Its strength is the mix of everyday household details, retirement math, and unusually direct accountability.
In their own words
Listen to how ordinary people built extraordinary wealth - and how you can too. You’ll learn how millionaires live on less than they make, avoid debt, invest, are disciplined and responsible! Featuring hosts from the Ramsey Network: Dave Ramsey, Ken Coleman, Rachel Cruze, George Kamel, Jade Warshaw, and Dr. John Delony.
retirement investingmortgage payoffemergency fundsfinancial advisorsmarket timing fearsmutual funds and index fundswindfalls and lawsuitsdebt-free planning
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Episodes
- 1
Why Is Paying Off My Mortgage Better Than Investing?
·9m - 2
I Transferred My 401(k) Into an Annuity—What Should I Do Now?
·9m - 3
Our House Burned Down—Should We Use Retirement to Rebuild?
·10m - 4
Why Do You Recommend a Roth Over a 401(k)?
·7m - 5
My Financial Advisor Told Us To Take Out A HELOC
·9m - 6
When Do We Stop Investing for Retirement?
·10m - 7
How Do I Keep My Child From Being Spoiled By A Trump Account?
·6m - 8
How Much Should I Invest If I’m Self-Employed?
·10m - 9
How Should I Invest So I Don’t Run Out of Money in Retirement?
·9m - 10
I’m 42 and Living Paycheck to Paycheck—Can I Still Become a Millionaire?
·9m - 11
Is It Bad That I’m Only Invested in CDs?
·5m - 12
How Should I Invest If I Can’t Use a 401K?
·7m - 13
What Does Working With a Financial Advisor Actually Look Like?
·7m - 14
Everyone’s Predicting a Market Correction—Should I Move to Cash?
·6m - 15
Should I Change What I’m Investing In During Retirement?
·6m - 16
Can We Keep My Son’s Leftover 529 Money for His Kids?
·8m - 17
How Much Is Safe to Spend in Retirement?
·11m - 18
Should I Buy Another Airbnb or Diversify?
·9m - 19
Should I Front-Load My 401(k) or Contribute Throughout the Year?
·7m - 20
What’s the Point of Investing If I Don’t Plan to Use It?
·7m - 21
Can We Save For A House And Invest At The Same Time?
·5m - 22
Everything You Need to Know About Filing Taxes in 2026
·7m - 23
Why Would I Pay Off My Home When I Can Invest?
·4m - 24
Should I Invest In A Trump Account For My Kids?
·6m - 25
How Do I Start Investing?
·4m - 26
Is Too Much of Our Net Worth in Our Home?
·5m - 27
Can We Cut Back Retirement Saving to Enjoy Life More?
·7m - 28
What’s the Best Way to Invest My Savings?
·6m - 29
This Is Why You Don’t Stop Investing
·5m - 30
They’re Millionaires at 30—Here’s How They Did It
·10m - 31
Dave Breaks Down Rebalancing Investments
·8m - 32
We Exceed the Income Limits for Retirement—What Should We Do?
·3m - 33
How Do We Build Wealth Once Our House Is Paid Off?
Scott, a 65-year-old caller, has just paid off his $325,000 house and is on Baby Step 7.
·7m - 34
Should We Wait to Get Married So My Girlfriend Can Keep Her Benefits?
·10m - 35
Should My Parents Buy an Annuity?
·7m - 36
Should I Use a 529 or Mutual Funds for My Kids?
·4m - 37
Do We Need Life Insurance If We’re Debt-Free?
·6m - 38
Should We Use Retirement Money to Buy Real Estate?
·9m - 39
We’re About to Get $6 Million—How Do We Manage It Wisely?
·7m - 40
Is It Too Late for Me to Save for Retirement?
·9m - 41
Dave Walks Through His Retirement Investments
·10m - 42
What’s the Downside of Putting Less Than 20% Down on a Home?
·10m - 43
How Do You Know When You Have Enough to Retire?
·10m - 44
When Does a Spousal Roth IRA Make Sense?
·10m - 45
How Do I Start Investing?
·10m - 46
Is Now a Bad Time to Invest Because the Market Is So High?
·10m - 47
Is Investing in Silver a Good Idea?
·5m - 48
I Have $3.5 Million Saved, but I’m Still Scared to Retire
·7m - 49
Did We Make a Mistake Moving Our 401(k) Into CDs?
·10m - 50
My Wife Wants the House Paid Off—But I Don’t See the Point
·8m - 51
Can We Cut Back on Retirement Investing to Get Some Margin Back?
·6m - 52
How Much of My Net Worth Should Be Cash vs. Assets?
·9m - 53
How Do I Help My Dad Invest His $1.3 Million?
·11m - 54
Should We Change Our Investing in Baby Step 7?
·10m - 55
Should I Use My Bonus to Buy Into the Business I Work For?
·3m - 56
We’re Maxing Out Our 401(k)s—How Do We Invest More?
·4m - 57
My Company Stock Dropped 30%—Should I Cash Out Now?
A caller seeks advice on whether to sell her company stock, which has dropped 60% from its peak, and reinvest in an index fund or hold on as a long-term investor.
·10m - 58
Should I Open a UTMA Account for My Child?
·4m - 59
How Should I Invest Outside of a 401(k)?
·5m - 60
How Much Should We Invest If Our House Is Paid Off?
·6m - 61
How Do I Avoid Paying Taxes on an Inherited IRA?
·3m - 62
I’m Scared to Invest My Savings in the Market
·9m - 63
We’re Inheriting $1.3M—What Should We Liquidate First?
·10m - 64
Does Land Count Toward Our Net Worth If We’ll Never Sell It?
·9m - 65
Should I Move My Pension Into a Fixed Index Account?
·4m - 66
Can I Afford to Retire at 54?
·10m - 67
Should I Lower My 529 Contributions to Pay Off My House Faster?
·4m - 68
Why 10–12x Your Income Is the Term Life Sweet Spot
·9m - 69
Is It Better to Max Out My Roth IRA Up Front or Over Time?
·6m - 70
Should I Sell My Investment Property With Owner Financing?
·5m - 71
If I Can Afford Both, Why Can’t I Invest and Pay Off Debt Together?
·10m - 72
I’m New to Investing—How Do I Get Started?
·10m - 73
Should We Cash Out Our Variable Annuity to Pay Off Debt?
·10m - 74
Should I Go All In on Real Estate Investing After Losing My Job?
·9m - 75
What’s the Advantage of Actively Managed Funds Over Index Funds?
·6m - 76
Should I Put More Toward My Mortgage or Into Investments?
·5m - 77
How Should We Invest If We Want to Retire Early?
·7m - 78
Is Real Estate Taking Up Too Much of My Net Worth?
·7m - 79
How Much Do You Really Need to Put in a 529 for College?
·10m - 80
Will Dave Ever Invest In Cryptocurrency?
·6m - 81
I’m Nervous About Having $1.8 Million in One Stock
·10m - 82
Should We Convert to a Roth or Leave It for the Kids to Inherit?
·9m - 83
How Do I Choose the Right Investments in My 401(k)?
·6m - 84
Is Leasing a Car a Smart Move If My Employer Covers the Taxes?
·6m - 85
Where Does Extra Cash Go When You’re on the Baby Steps?
·8m - 86
He Became a Millionaire by 35 Following the Baby Steps—Here’s How
·10m - 87
I’m Nervous About My $1.1 Million in Stocks—Should I Sell?
·10m - 88
We Think $250K Is Enough for Retirement—Should We Stop Contributing?
·7m - 89
Why Do So Many Teachers End Up Becoming Millionaires?
·10m - 90
Can I Use the Cash I Saved for Taxes On A Purchase I Can Write Off?
·5m - 91
My Company Doesn’t Offer a 401(k)—How Do I Invest for Retirement?
·7m - 92
AI Will Eliminate My Job in 10 Years—How Do I Plan for Retirement?
·9m - 93
How Do You Know How Much You Need To Save in Order To Retire?
·3m - 94
What Is My Recommended Retirement Withdrawal Percentage?
·7m - 95
Can I Do a Roth 401(k) & Roth IRA at the Same Time?
·4m - 96
Why Most People Don’t Retire a Millionaire
·10m - 97
How Do We Build Wealth Once Our House Is Paid Off?
·7m - 98
Should I Be Aggressive About Paying Off My Home?
·7m - 99
Should I Be Aggressive About Paying Off My Home?
·7m - 100
How Do I Help My Dad Plan for Retirement?
A caller seeks advice on how to start a retirement planning conversation with his 67-year-old father, a long-haul truck driver who owns paid-off farms but works tirelessly and may never want to retire.
·10m - 101
How Do I Invest My Inheritance to Replace My Income?
A 75-year-old woman who recently inherited $105,000 after caring for her mother with dementia seeks advice on how to invest it to replace her lost income, despite her lifelong aversion to investing.
·10m - 102
Should I Fire My Financial Advisor?
A caller named David questions whether to fire his financial advisor after seeing only 7% growth in his portfolio compared to the S&P 500's 17% increase.
·10m·1 clip - 103
How Can I Make Sure My Special Needs Daughter Is Financially Secure?
Oct 2, 2026·9m - 104
Where Should We Invest If We Want to Retire Early?
Sep 30, 2026·8m - 105
Can I Contribute to My Adult Kids’ Roth IRAs?
Sep 28, 2026·9m - 106
My Finances Have Become Too Complicated. How Do I Simplify?
Sep 25, 2026·7m - 107
Why Is Permanent Life Insurance a Bad Idea?
Sep 23, 2026·6m - 108
My Friend Is My Financial Advisor. Should I Hire a Professional?
Sep 21, 2026·6m - 109
Is Indexed Universal Life Insurance a Good Investment?
Sep 18, 2026·7m - 110
Should We Get Out of Individual Stocks?
Sep 16, 2026·3m - 111
Here’s How to Keep RMDs From Becoming a Problem in Retirement
Sep 14, 2026·5m - 112
My Parents Think It’s Too Late to Start Investing
Sep 11, 2026·9m - 113
Are Separately Managed Accounts Better Than Mutual Funds?
Sep 9, 2026·9m - 114
Can We Stop Investing If We Have Enough for Retirement?
Sep 7, 2026·6m - 115
Should We Put Conditions in Our Will for Our Estranged Daughter?
Sep 4, 2026·8m - 116
Should You Use This Hidden HSA Strategy?
Sep 2, 2026·4m - 117
Can You Build Wealth by Investing Only in Individual Companies?
Aug 31, 2026·10m - 118
Are Trump Accounts Better Than ESAs?
Aug 28, 2026·9m - 119
How Do I Avoid a Huge Tax Bill When Selling Stocks?
Aug 26, 2026·10m - 120
The Problem With Using the 4% Rule in Retirement
Aug 24, 2026·13m - 121
Most People Give Without a Plan—Here's How to Give With Purpose
Aug 21, 2026·9m - 122
Should You Ever Buy an Annuity?
Aug 19, 2026·10m - 123
This Is the Mindset You Need to Invest in the S&P 500
Aug 17, 2026·6m - 124
Here's What to Do If You Don't Understand Your Financial Advisor
Aug 14, 2026·9m - 125
Where Do You Invest After Maxing Out Your 401(k)?
Aug 12, 2026·5m - 126
How the New Trump Accounts Could Make Your Kid a Millionaire
Aug 10, 2026·8m - 127
We Keep Selling at a Loss Every Time the Market Drops
Aug 7, 2026·10m - 128
How to Open Your First IRA
Aug 5, 2026·4m - 129
How to Access Your Retirement Savings Before 59½ Without Penalties
Aug 3, 2026·4m - 130
This Is What Happens When You Don't Know How to Value a Business
Jul 31, 2026·19m - 131
Here's How to Pick the Right Investments
Jul 29, 2026·8m - 132
How Do I Start Investing From Scratch?
Jul 27, 2026·10m - 133
This Is Why You Shouldn't Quitclaim Your Home to Your Kids
Jul 24, 2026·7m - 134
Will Paying My Mortgage Biweekly Really Pay It Off Faster?
Jul 22, 2026·7m - 135
This Tax Write-Off Could Wreck Your Finances
Jul 20, 2026·9m - 136
Is 20% of Your Net Worth in One Stock Too Much?
Jul 17, 2026·10m - 137
How Does a Pension Affect the 15% Retirement Rule?
Jul 15, 2026·3m - 138
If You're 19, This Investing Message Is for You
Jul 13, 2026·10m - 139
How Do We Build Wealth After Paying Off Our House?
Jul 10, 2026·7m - 140
Should I Trust My Pension to Still Be There When I Retire?
Jul 8, 2026·6m - 141
Why Invest in Four Mutual Funds Instead of Just the S&P 500?
Jul 6, 2026·10m - 142
What Would It Take for Me to Retire at 50?
Jul 3, 2026·3m - 143
Should I Surrender My Whole Life Insurance Policy?
Jul 1, 2026·8m - 144
I Don’t Know Anything About Investing—Where Do I Start?
Jun 29, 2026·9m - 145
Should I Convert More of My Retirement Savings to Roth Accounts?
Jun 26, 2026·9m - 146
Should I Take Monthly Distributions From My Retirement Fund?
Jun 24, 2026·10m - 147
Should I Retire Now or Work Longer for a Bigger Pension?
Jun 22, 2026·7m - 148
How Do We Learn to Spend Money After Being Frugal for So Long?
Jun 19, 2026·8m - 149
Is It A Good Idea to Delay Investing to Pay Off Your House?
Jun 17, 2026·9m - 150
My Mutual Funds Are Down (What Should I Do?)
Jun 15, 2026·3m - 151
My Advisor Wants All My Money in the Market (Is That Too Risky?)
Jun 12, 2026·10m - 152
Should I Take My Employer’s Offer of Deferred Equity Instead of a 401(k)?
Jun 10, 2026·6m - 153
How Much Do I Need to Retire Comfortably?
Jun 8, 2026·10m - 154
My Income Increased—Banks Want to Manage My Money (Who Do I Trust?)
Jun 5, 2026·10m - 155
Is There a Better Investment Option Than CDs?
Jun 3, 2026·7m - 156
We Just Inherited $2.5 Million—How Do We Manage It Wisely?
Jun 1, 2026·10m - 157
Do I Need to Tithe on Capital Gains and Investment Income?
May 29, 2026·5m - 158
Should I Stop Chasing Homeownership and Focus on Building My Retirement?
May 27, 2026·9m - 159
Can You Still Build Wealth After Starting Over With Nothing at 40?
May 25, 2026·9m - 160
Is the Boat I Want to Buy Too Expensive? (More Than 100% of My Annual Income)
May 22, 2026·9m - 161
What Should I Invest In After Maxing Out My 401(k)?
May 20, 2026·5m - 162
How Do I Invest When the News Keeps Shaking the Market?
May 18, 2026·10m - 163
What’s the Best Strategy for Withdrawing From My Retirement?
May 15, 2026·9m - 164
Can I Fully Fund My Retirement With One Lump Sum? [EP 773]
May 13, 2026·9m - 165
Can Married Couples Combine Retirement Accounts?
May 11, 2026·4m - 166
I’m 54 With No Retirement Savings—Can I Still Retire Comfortably?
May 8, 2026·3m - 167
What’s the Best Way to Invest for My Kids?
May 6, 2026·10m - 168
What is a Dividend Stock?
May 4, 2026·5m - 169
Do I Still Need to Invest for Retirement If I Have an Inheritance?
May 1, 2026·7m - 170
My Financial Advisor Wants Me to Buy an Annuity—Is That a Good Idea?
Apr 29, 2026·5m - 171
Do I Have Too Much of My Net Worth in Cash?
Apr 27, 2026·10m - 172
Do I Need to Set Up a Trust for My Kids?
Apr 24, 2026·6m - 173
When Can I Stop Investing and Just Enjoy My Money?
Apr 22, 2026·6m - 174
Why Can’t I Get My Investments To Give Me A 10% Return?
Apr 20, 2026·5m - 175
We Grew Up Poor—Now We’re Getting $2.6 Million. What Do We Do?
A couple who grew up poor seeks advice on how to wisely handle a $2.6 million medical malpractice settlement for their family's future.
Apr 17, 2026·10m - 176
Should We Stay Invested in the Stock Market During Retirement?
This episode addresses whether retirees should move money out of the stock market into conservative investments like annuities or CDs, with the hosts advising to stay invested for long-term growth during retirement.
Apr 15, 2026·4m - 177
I Lost Everything Trading in Penny Stocks—How Do I Recover?
A 30-year-old man shares his story of losing $34,000 in savings through risky penny stock investments and seeks advice on how to recover financially while dealing with debt and living with his mother.
Apr 13, 2026·9m - 178
How Do We Build Wealth Once Our House Is Paid Off?
A 65-year-old caller who has paid off his house and is debt-free seeks advice on rebuilding his emergency fund and investing in mutual funds for wealth building.
Apr 10, 2026·7m - 179
Should I Be Aggressive About Paying Off My Home?
A caller named Maria seeks advice on whether to aggressively pay off her mortgage before retiring in 5-10 years, discussing her financial situation and receiving guidance on balancing debt payoff with quality of life.
Apr 8, 2026·7m - 180
When Do We Stop Investing for Retirement?
Apr 6, 2026·10m - 181
How Do I Keep My Child From Being Spoiled By A Trump Account?
Apr 3, 2026·6m - 182
How Much Should I Invest If I’m Self-Employed?
Apr 1, 2026·10m - 183
How Should I Invest So I Don’t Run Out of Money in Retirement?
Mar 30, 2026·9m - 184
I’m 42 and Living Paycheck to Paycheck—Can I Still Become a Millionaire?
Mar 27, 2026·9m - 185
Is It Bad That I’m Only Invested in CDs?
Mar 25, 2026·5m - 186
What Does Working With a Financial Advisor Actually Look Like?
Mar 23, 2026·7m - 187
Everyone’s Predicting a Market Correction—Should I Move to Cash?
Mar 20, 2026·6m - 188
Should I Change What I’m Investing In During Retirement?
Mar 18, 2026·6m - 189
Can We Keep My Son’s Leftover 529 Money for His Kids?
Mar 16, 2026·8m - 190
How Much Is Safe to Spend in Retirement?
Mar 13, 2026·11m - 191
Should I Buy Another Airbnb or Diversify?
Mar 11, 2026·9m - 192
Should I Front-Load My 401(k) or Contribute Throughout the Year?
Mar 9, 2026·7m - 193
What’s the Point of Investing If I Don’t Plan to Use It?
Mar 6, 2026·7m - 194
Can We Save For A House And Invest At The Same Time?
Mar 4, 2026·5m - 195
Everything You Need to Know About Filing Taxes in 2026
Mar 2, 2026·7m - 196
Why Would I Pay Off My Home When I Can Invest?
Feb 27, 2026·4m - 197
Should I Invest In A Trump Account For My Kids?
Feb 25, 2026·6m - 198
How Do I Start Investing?
Feb 23, 2026·4m - 199
Is Too Much of Our Net Worth in Our Home?
Feb 20, 2026·5m - 200
Can We Cut Back Retirement Saving to Enjoy Life More?
Feb 18, 2026·7m - 201
What’s the Best Way to Invest My Savings?
Feb 16, 2026·6m - 202
This Is Why You Don’t Stop Investing
Feb 13, 2026·5m - 203
They’re Millionaires at 30—Here’s How They Did It
Feb 11, 2026·10m - 204
Dave Breaks Down Rebalancing Investments
Feb 9, 2026·8m - 205
How Should I Invest If I Can’t Use a 401K?
Feb 6, 2026·7m - 206
We Exceed the Income Limits for Retirement—What Should We Do?
Feb 4, 2026·3m - 207
Why Is Paying Off My Mortgage Better Than Investing?
Feb 2, 2026·9m - 208
Should We Wait to Get Married So My Girlfriend Can Keep Her Benefits?
Jan 30, 2026·10m - 209
Should My Parents Buy an Annuity?
Jan 28, 2026·7m - 210
Should I Use a 529 or Mutual Funds for My Kids?
Jan 26, 2026·4m - 211
Do We Need Life Insurance If We’re Debt-Free?
Jan 23, 2026·6m - 212
Should We Use Retirement Money to Buy Real Estate?
Jan 21, 2026·9m - 213
We’re About to Get $6 Million—How Do We Manage It Wisely?
Jan 19, 2026·7m - 214
Is It Too Late for Me to Save for Retirement?
Jan 16, 2026·9m - 215
Dave Walks Through His Retirement Investments
Jan 14, 2026·10m - 216
What’s the Downside of Putting Less Than 20% Down on a Home?
Jan 12, 2026·10m - 217
How Do You Know When You Have Enough to Retire?
Jan 9, 2026·10m - 218
When Does a Spousal Roth IRA Make Sense?
Jan 7, 2026·10m - 219
How Do I Start Investing?
Jan 5, 2026·10m - 220
Is Now a Bad Time to Invest Because the Market Is So High?
This episode addresses a listener's concern about whether it's a bad time to invest $100,000 for retirement due to high stock market valuations, offering general advice against market timing and recommending consultation with a financial professional.
Jan 2, 2026·10m - 221
Is Investing in Silver a Good Idea?
Dec 31, 2025·5m - 222
Should I Fire My Financial Advisor?
A caller questions whether to fire his financial advisor after seeing only 7% growth, but the host explains the real issue is the caller's lack of involvement and understanding of his own investments.
Dec 29, 2025·10m - 223
I Have $3.5 Million Saved, but I’m Still Scared to Retire
Dec 26, 2025·7m - 224
Did We Make a Mistake Moving Our 401(k) Into CDs?
Dec 24, 2025·10m - 225
What Do I Need To Do To Retire in 9 Years?
Aug 20, 2025·7m - 226
How Can I Invest My Money Wisely?
Aug 18, 2025·6m - 227
Is My Advisor Pointing Me in the Right Direction?
Aug 15, 2025·4m - 228
How Should I Be Spending My Money Right Now?
Aug 13, 2025·9m - 229
This Is Why Rental Properties Aren’t Actually “Passive”
Aug 11, 2025·9m - 230
Should We Invest in Precious Metals?
Aug 8, 2025·6m - 231
Should I Convert My Entire IRA To A Roth All At Once?
Aug 6, 2025·10m - 232
Our Universal Life Policy Is Costing Us More Than We Put In
Aug 4, 2025·10m - 233
How Do the Baby Steps Apply If I’m Already a Millionaire?
Aug 1, 2025·8m - 234
Should I Take My Pension Buyout or Monthly Checks?
Jul 30, 2025·8m - 235
Are Structured Notes Too Good to Be True?
Jul 28, 2025·6m - 236
What’s the Right Way to Start Retirement Withdrawals?
Jul 25, 2025·10m - 237
Should I Open a Traditional IRA Just for the Tax Benefits?
Jul 23, 2025·5m - 238
Has Dave Gone Soft On Crypto?
Jul 21, 2025·10m - 239
Here's Why Dave Doesn’t Invest in Bonds
Jul 18, 2025·10m - 240
How Do We Maximize the Returns on Our Investments?
Jul 16, 2025·5m - 241
Where Should We Invest If We’re Scared of the Stock Market?
Jul 14, 2025·11m - 242
Is Self-Insuring My Home a Smart Move?
Jul 11, 2025·7m - 243
I Can’t Afford To Invest 15% Of My Income Into Retirement
Jul 9, 2025·9m - 244
Is It Smart to Keep All Your Investments With One Firm?
Jul 7, 2025·5m - 245
Which Is Better for Retirement: Pre-Tax or After-Tax Contributions?
Jul 4, 2025·4m - 246
How Do I Exit My Real Estate Investments?
Jul 2, 2025·3m - 247
Why Won’t My Agent Let Me Cancel My Whole Life Policies?
Jun 30, 2025·10m - 248
Can We Spend $15k For A Vacation?
Jun 27, 2025·9m - 249
Should I Ditch the Stock Market and Invest in Real Estate?
Jun 25, 2025·5m - 250
My Employer’s 401(k) Move Cost Me $18K
Jun 23, 2025·6m - 251
My Fiancée Won $1.3 Million—Now What?
Jun 20, 2025·9m - 252
Should You Ever Invest More Than 15% In Baby Step 4?
Jun 18, 2025·10m - 253
What’s a Healthy Net Worth at Your Age?
Jun 16, 2025·10m - 254
My Wife Doesn't Want Us To Invest In The Stock Market
Jun 13, 2025·7m - 255
How Do I Get Caught Up On Retirement?
Jun 11, 2025·8m - 256
Do I Have to Follow My Grandmother’s Wishes for My Inheritance?
Jun 9, 2025·9m - 257
88% Of Stocks Are Owned By Three Companies—Does It Matter?
Jun 6, 2025·5m - 258
We Built A $10 Million Net Worth By Following The Baby Steps
Jun 4, 2025·7m - 259
Why Is My Investment Portfolio Underperforming?
Jun 2, 2025·10m - 260
Dave Exposes Crappy Life Insurance Products
May 30, 2025·9m - 261
Are We Able To Retire Early?
May 28, 2025·10m - 262
The Baby Steps Are Stressing My Husband Out
May 26, 2025·9m - 263
Are There Any Good "Short-Term" Investments?
May 23, 2025·4m - 264
What’s Difference Between Direct-Sold And Advisor-Sold 529 Plans?
May 21, 2025·3m - 265
What Is A Mutual Fund?
May 19, 2025·8m - 266
This Is the Difference Between Investing and Speculating
May 16, 2025·10m - 267
How We Became Millionaires and Built a Lasting Legacy
May 14, 2025·9m - 268
Dave Explains Wealth Inequality In 2025
May 12, 2025·9m - 269
If You Do This You'll Be A Millionaire Before 30
May 9, 2025·9m - 270
How Do I Diversify My Retirement Investments?
May 7, 2025·4m - 271
Our Advisor Has Stopped Returning Our Calls
May 5, 2025·10m - 272
The Irony of Whole Life Insurance
May 2, 2025·9m - 273
My Advisor Doesn't Want Me To Buy A House
Apr 30, 2025·5m - 274
Should I Upgrade My Car To Impress The Ladies?
Apr 28, 2025·9m - 275
My Investments Keep Losing Money
Apr 25, 2025·6m - 276
Am I Burning Through My IRA Too Fast?
Apr 23, 2025·10m - 277
My Wife Spent Her Fun Money Before Our Trip
Apr 21, 2025·9m - 278
I Just Bought My Dream Car - Should I Return It?
Apr 18, 2025·10m - 279
I Make Too Much To Invest In A Roth Account
Apr 16, 2025·9m - 280
Should I Pull My Money Out Of The Market?
Apr 14, 2025·7m - 281
This Is What Happens When You're Smart Early
Apr 11, 2025·9m - 282
Can We Afford A $9K Family Vacation?
Apr 9, 2025·9m - 283
My Religion Won't Let Me Invest In The S&P 500
Apr 7, 2025·8m - 284
How Do I Live Purposefully Now That I Have Money?
Apr 4, 2025·6m - 285
How Do I 10x My Money?
Apr 2, 2025·4m - 286
My Dad Wants Me To Work With His Advisor
Mar 31, 2025·10m - 287
Should I Stop Day Trading?
Mar 28, 2025·6m - 288
Should We Cash Out Our Whole Life Policy?
Mar 26, 2025·8m - 289
Should We Buy A Bigger Car Or Pay Down Our House?
Mar 24, 2025·9m - 290
Dave's 3 Rules For Investing
Mar 21, 2025·10m - 291
What’s the Best Way To Save for My Daughter?
Mar 19, 2025·8m - 292
Am I A Hypocrite For Wanting A Prenup?
Mar 17, 2025·9m - 293
When Do We Stop Investing and Start Giving?
Mar 14, 2025·8m - 294
Should I Pause Retirement To Save for a House?
Mar 12, 2025·9m - 295
Can I Afford a $80K Tesla?
Mar 10, 2025·5m - 296
“So How Long Have You Been Selling Whole Life Insurance?”
Mar 7, 2025·9m - 297
Should I Invest in a Target Date Index Fund?
Mar 5, 2025·3m - 298
Is It Too Late To Invest for the Future?
Mar 3, 2025·8m - 299
Should I Give My Daughter Money To Buy a House?
Feb 28, 2025·4m - 300
Can I Use a Roth IRA Instead of a 529?
Feb 26, 2025·4m - 301
Should I Change My Investing Strategy?
Feb 24, 2025·4m - 302
The Secret To Building Wealth In Baby Step 7
Feb 21, 2025·9m - 303
Should I Rely on My Employer’s 401(k)?
Feb 19, 2025·7m - 304
Can I Use Budgeted “Fun Money” To Do Day Trading?
Feb 17, 2025·4m - 305
This Is the Biggest Piece of Mythology in Personal Finance
Feb 14, 2025·7m - 306
Our Advisor Is Advising Us Not To Pay Off Our Home
Feb 12, 2025·9m - 307
How Do I Build Wealth for the Future?
Feb 10, 2025·9m - 308
When Can I Afford To Self-Insure?
Feb 7, 2025·5m - 309
How Do I Use My $300K Income Wisely?
Feb 5, 2025·7m - 310
Does Compound Interest Work the Same in Separate Accounts?
Feb 3, 2025·4m - 311
"You Should Fire Your Tax Advisor"
Jan 31, 2025·5m - 312
Should I Invest in Real Estate or the Stock Market?
Jan 29, 2025·9m - 313
My 401(k) Was Closed Without My Knowledge
Jan 27, 2025·9m - 314
Can You Avoid Lifestyle Creep?
Jan 24, 2025·9m - 315
Investments Traps To Avoid In 2025
Jan 22, 2025·12m - 316
The Basic Principles To Building Wealth
Jan 20, 2025·13m - 317
This Is the Biggest Piece of Mythology in Personal Finance
Jan 17, 2025·10m - 318
Should We Convert Our 401(k) to a Roth?
Jan 15, 2025·3m - 319
Why Investing Is About More Than Just Math
Jan 13, 2025·8m - 320
Will I Lose the Company Match if I Max My Roth IRA?
Jan 10, 2025·9m - 321
Stay Gazelle Intense to Pay Off Our House?
Jan 8, 2025·8m - 322
How Should I Save Money Now That the Savings Rate Is Going Down?
Jan 6, 2025·7m - 323
Are There Taxes on My Kids’ Inheritance?
Jan 3, 2025·7m - 324
How Should I Pay Off My House?
Jan 1, 2025·6m - 325
Does God Want Us To Be Wealthy?
Dec 30, 2024·11m - 326
Should You Invest 15% For Retirement If You Already Have A Pension?
Dec 27, 2024·10m - 327
Should I Pay Off My House or Start Investing?
Dec 25, 2024·9m - 328
Where Should We Be Investing?
Dec 23, 2024·8m - 329
Don’t Let This Stupid Trend Affect Your Investing
Dec 20, 2024·10m - 330
How Quickly Should I Pay Down My House?
Dec 18, 2024·7m - 331
What Is The S&P 500 And Why Does It Matter?
Dec 16, 2024·5m - 332
My Husband & I Disagree On How To Invest
Dec 13, 2024·9m - 333
Should I Do a 401(k) or Simple IRA?
Dec 11, 2024·6m - 334
Money Markets vs. High-Yield Savings Accounts
Dec 9, 2024·5m - 335
How To Invest a Large Sum of Inherited Money
Dec 6, 2024·10m - 336
Do I Need To Diversify My Investments?
Dec 4, 2024·10m - 337
Why Shouldn’t I Get a 30-Year Mortgage?
Dec 2, 2024·10m - 338
Do Millionaires Still Need To Budget?
Nov 29, 2024·9m - 339
Should I Diversify My Retirement Investing?
Nov 27, 2024·4m - 340
What is "Dollar Cost Averaging"?
Nov 25, 2024·7m - 341
How Do I Protect My Savings?
Nov 22, 2024·5m - 342
Should I Switch From A Pension To A 401K?
Nov 20, 2024·6m - 343
Should My Investments Be More Conservative?
Nov 18, 2024·6m - 344
Do I Really Need a Financial Advisor?
Nov 15, 2024·5m - 345
Should I Invest or Save More for a House?
Nov 13, 2024·10m - 346
How Do We Balance Gazelle Intensity With Our Retirement Goals?
Nov 11, 2024·11m - 347
Is It Too Late To Start Investing For Retirement?
Nov 8, 2024·5m - 348
Does an HSA Make Sense for Me?
Nov 6, 2024·5m - 349
How Do I Maximize Retirement Savings?
Nov 4, 2024·5m - 350
Should I Get A High Deductible Health Plan?
Nov 1, 2024·6m - 351
Should I Reduce My 401K To Start An IRA?
Oct 30, 2024·5m - 352
How Do I Invest After Selling My Business?
Oct 28, 2024·10m - 353
There Are More 401K Millionaires Today Than Ever Before
Oct 25, 2024·10m - 354
Is It Wise To Move My Investments Into an HSA?
Oct 23, 2024·7m - 355
When do I roll my IRA to a Roth?
Oct 21, 2024·9m - 356
I Have $18M in a Single Stock - Should I Diversify?
Oct 18, 2024·9m - 357
How Much Should We Put In at 529?
Oct 16, 2024·9m - 358
Am I Behind on Building Wealth?
Oct 14, 2024·6m - 359
Why Dave Doesn’t Recommend Single Stocks
Oct 11, 2024·7m - 360
Why Should I Pay Down My Mortgage?
Oct 9, 2024·8m - 361
What Are the Pros and Cons of Target Date Allocation Funds?
Oct 7, 2024·10m - 362
Dave Argues With a Whole Life Insurance Salesman
Oct 4, 2024·13m - 363
What Should I Do With Stocks I Was Gifted?
Oct 2, 2024·10m - 364
Do I Still Have Time To Save for Retirement?
Sep 30, 2024·8m - 365
This Is Why You Shouldn’t Follow "Investing Bros"
Sep 27, 2024·10m - 366
Can I Pay My 30-Year Mortgage Like a 15-Year?
Sep 25, 2024·6m - 367
Can I Invest Larger Amounts in a Shorter Timeline?
Sep 23, 2024·5m - 368
Should I Reduce Investing To Afford a Roth Conversion?
Sep 20, 2024·6m - 369
Can I Spend More Than 25% on My House?
Sep 18, 2024·9m - 370
How can I Reduce What I Pay In Taxes?
Sep 16, 2024·9m - 371
What Should I Do With Money Left in a 529?
Sep 13, 2024·6m - 372
Should I Convert My Traditional 401(k) to a Roth?
Sep 11, 2024·4m - 373
Quit Taking Advice From Your Broke Friends and Family!
Sep 9, 2024·9m - 374
Is It Wise To Have Two Financial Advisors?
Sep 6, 2024·5m - 375
Should You Change Your Investing Habits During Election Season?
Sep 4, 2024·5m - 376
Should I Transfer My 401(k) to a Roth
Sep 2, 2024·6m - 377
How Can I Get Some Fun Money?
Aug 30, 2024·10m - 378
What Is a High-Yield Savings Account?
Aug 28, 2024·7m - 379
Should I Blame My Investing Pros for My Losses?
Aug 26, 2024·9m - 380
Should I Cancel My Whole Life Policies?
Aug 23, 2024·7m - 381
What Should I Do With a Settlement?
Aug 21, 2024·6m - 382
Are International Funds in Investing Still Necessary?
Aug 19, 2024·10m - 383
How Do I Invest and Set Myself Up for the Future?
Aug 16, 2024·10m - 384
What’s the Difference Between a Debit Card & Charge Card?
Aug 14, 2024·4m - 385
This Type of Life Insurance Sucks
Aug 12, 2024·12m - 386
Here’s Why Dave Ramsey Doesn’t Own Any Single Stocks
Aug 9, 2024·8m - 387
Should I Pay Off My Rental Property?
Aug 7, 2024·8m - 388
Am I Headed for a Financial Cliff?
Aug 5, 2024·10m - 389
I’m Begging You Not To Do This
Aug 2, 2024·9m - 390
Pause Investing To Pay Off Our House?
Jul 31, 2024·7m - 391
How Do We Know How Much We Need for Retirement?
Jul 29, 2024·7m - 392
Should I Fire My Financial Advisor?
Jul 26, 2024·9m - 393
Where Should I Buy Rental Property?
Jul 24, 2024·7m - 394
The Best Way To Save Money on Taxes
Jul 22, 2024·10m - 395
How Should I Invest My Commission Check?
Jul 19, 2024·9m - 396
Should I Pay Down My Mortgage or Earn Interest Saving?
Jul 17, 2024·8m - 397
401(k): When To Use It and When Not To
Jul 15, 2024·4m - 398
This Is a Terrible Way To Build Wealth
Jul 12, 2024·10m - 399
Will I Be Able To Retire Next Year?
Jul 10, 2024·8m - 400
Why Would I Pay Off My 2% Mortgage?
Jul 8, 2024·10m - 401
How Do I Protect Myself After Being Sued?
Jul 5, 2024·9m - 402
Would You Recommend Buying a Foreclosure?
Jul 3, 2024·5m - 403
Is It Possible To Build Wealth While Renting?
Jul 1, 2024·5m - 404
Choosing Between Day Care Expenses and Retirement Savings
Jun 28, 2024·9m - 405
How Should I Split Up My Investments?
Jun 26, 2024·9m - 406
Should I Invest in an IRA or Save for a House?
Jun 24, 2024·9m - 407
Was I Wrong To Pay Off My Home?
Jun 21, 2024·10m - 408
What Account Should I Open for My Newborn?
Jun 19, 2024·6m - 409
Should I Roll My 401(k) Over to an IRA?
Jun 17, 2024·5m - 410
How Much Should I Be Investing?
Jun 14, 2024·6m - 411
What Should I Do After Maxing Out My Roth IRA?
Jun 12, 2024·5m - 412
What’s the Best Way To Invest in Real Estate?
Jun 10, 2024·9m - 413
When It Comes to Investing, Keep It Simple (Stupid)
Jun 7, 2024·10m - 414
Is Giving Excessively the Same As Overspending?
Jun 5, 2024·10m - 415
Why the F.I.R.E. Movement Isn’t Sustainable
Jun 3, 2024·11m - 416
Whole Life Insurance Explained
May 31, 2024·8m - 417
You're A Millionaire And Didn't Even Know It
May 29, 2024·9m - 418
When “Passive Income” Isn’t So Passive
May 27, 2024·9m - 419
Can I Invest in Real Estate Instead of My Retirement Account?
May 24, 2024·9m - 420
Don’t Be So Desperate That You Make a Stupid Decision
May 22, 2024·5m - 421
Should I Roll My 401(k) Into a Roth IRA?
May 20, 2024·4m - 422
How Do I Start Saving for Retirement?
May 17, 2024·9m - 423
Should I Leverage Money or Pay Cash for an Investment Property?
May 15, 2024·4m - 424
What’s the Wisest Way To Handle an Inheritance?
May 13, 2024·10m - 425
Real Estate Investing Isn’t All Rainbows & Paychecks
May 10, 2024·9m - 426
Should I Start Buying Into Company Stocks?
May 8, 2024·5m - 427
Where Should We Invest After Paying Off Debt?
May 6, 2024·11m - 428
We Disagree With What To Do With $80K
May 3, 2024·9m - 429
How Do We Prepare for Early Retirement?
May 1, 2024·7m - 430
Why Real Estate Can Be a Blessing or a Curse
Apr 29, 2024·5m - 431
Is a Roth Conversion a Good Idea?
Apr 26, 2024·9m - 432
Don’t Confuse Speculating With Investing
Apr 24, 2024·11m - 433
These Bad Decisions Will Steal Your Wealth
Apr 22, 2024·8m - 434
We Always End Up Owing the IRS Every Year…
Apr 19, 2024·8m - 435
Where Should I Be Investing?
Apr 17, 2024·8m - 436
Dave’s Guide to Flipping Houses
Apr 15, 2024·9m - 437
Is It Wrong To Build Wealth?
Apr 12, 2024·10m - 438
How Should I Save for Retirement?
Apr 10, 2024·10m - 439
Should We Sell Our House in Case of Economic Collapse?
Apr 8, 2024·9m - 440
Where Should We Save Money for Our Kids?
Apr 5, 2024·9m - 441
How Should I Start Investing?
Apr 3, 2024·9m - 442
I Have Lots of Questions About Investing
Apr 1, 2024·10m - 443
Use Our House Savings To Start a Business?
Mar 29, 2024·9m - 444
How Do I Balance Today and the Future?
Mar 27, 2024·10m - 445
Should I Save for a House or Start Investing?
Mar 25, 2024·7m - 446
This Is the Right Way To Buy a Rental Property
Mar 22, 2024·6m - 447
5 Signs You’re Not Taking Retirement Seriously
Mar 20, 2024·11m - 448
Has Dave Changed His Mind About Bitcoin?
Mar 18, 2024·10m - 449
Can We Afford To Buy a Bigger House?
Mar 15, 2024·8m - 450
How Do I Start Investing?
Mar 13, 2024·5m - 451
Use Retirement To Pay Off My House?
Mar 11, 2024·10m - 452
What Should I Do With a Previous 401(k)?
Mar 8, 2024·7m - 453
Teaching Kids About Investing
Mar 6, 2024·7m - 454
This Is the Ultimate Mortgage Hack
Mar 4, 2024·10m - 455
Do These 3 Things To Set Yourself Up For Retirement
Mar 1, 2024·10m - 456
When Should We Get a Financial Advisor?
Feb 28, 2024·10m - 457
All About High-Yield Savings Accounts
Feb 26, 2024·7m - 458
How Can I Save for My Family’s Future?
Feb 23, 2024·8m - 459
I Tried Timing the Market and Got Burned
Feb 21, 2024·7m - 460
You’re Playing Russian Roulette With Your Checkbook
Feb 19, 2024·6m - 461
Should We Save Money in a 529?
Feb 16, 2024·6m - 462
This Is What You Should Do With a Million Dollars
Feb 14, 2024·8m - 463
Where Should We Be Saving Our Money?
Feb 12, 2024·5m - 464
Is It Too Late for Us To Save for Retirement?
Feb 9, 2024·5m - 465
Should I Save or Invest Most of My Income?
Feb 7, 2024·5m - 466
How Should I Use a Large Inheritance?
Feb 5, 2024·9m - 467
Should I Invest More or Pay Off My House?
Feb 2, 2024·7m - 468
Struggling With Spending After Paying Off Debt
Jan 31, 2024·8m - 469
How Can I Maximize My 529 Investing?
Jan 29, 2024·5m - 470
Where Should I Invest While Saving for a Home?
Jan 26, 2024·7m - 471
Is a CD the Safest Place for an Investment?
Jan 24, 2024·8m - 472
Why You Should Ride the Rollercoaster of Investing
Jan 22, 2024·10m - 473
What’s the Best Way To Invest $200K?
Jan 19, 2024·5m - 474
I Don’t Want To Wait To Start Investing
Jan 17, 2024·7m - 475
There’s No Such Thing As “Passive” Real Estate Income
Jan 15, 2024·10m - 476
What Should My Goals Be in Baby Steps 4–6?
Jan 12, 2024·10m - 477
The IRS Doesn't Care If You're Homeless
Jan 10, 2024·10m - 478
Should I Wait for Interest Rates To Come Down?
Jan 8, 2024·4m - 479
Is Now a Good Time To Buy a House?
Jan 5, 2024·9m - 480
What Should I Do With Income From My Rental?
Jan 3, 2024·7m - 481
My Wife Doesn’t Think We Can Afford To Retire
Jan 1, 2024·8m - 482
Should I Start Flipping Properties?
Dec 29, 2023·5m - 483
How Can I Invest Without Risk?
Dec 27, 2023·5m - 484
How Do I Start Investing?
Dec 25, 2023·9m - 485
How Should I Be Investing Right Now?
Dec 22, 2023·9m - 486
Should I Invest in My Employer Roth?
Dec 20, 2023·5m - 487
Don't Let Cost Of Living Paint You Into A Financial Corner
Dec 18, 2023·10m - 488
The Difference Between Mutual Funds & ETFs
Dec 15, 2023·6m - 489
If You Do This, You'll Have No Regrets
Dec 13, 2023·5m - 490
The Power of Compound Interest
Dec 11, 2023·9m - 491
Should We Trust Our Financial Advisor?
Dec 8, 2023·7m - 492
How Do I Create Passive Income?
Dec 6, 2023·6m - 493
This Is NOT the Way You Build Wealth
Dec 4, 2023·8m - 494
Is My Rental Property a “Unicorn” of an Asset?
Dec 1, 2023·10m - 495
Should I Buy a House or Rent?
Nov 29, 2023·8m - 496
Is It Worth Taking Social Security Sooner Than Later?
Nov 27, 2023·6m - 497
I Make $100K at 20 Years Old Flipping Furniture
Nov 24, 2023·6m - 498
How Do I Find a Good Financial Planner?
Nov 22, 2023·6m - 499
Don’t Screw Up Your Life With an AirBNB
Nov 20, 2023·9m - 500
How Should I Be Investing?
Nov 17, 2023·5m