Be the Tortoise Not the Hare | January 29, 2025

The Ramsey Show | January 29, 2025
Dr. John Delony & George Kamel answer your questions and discuss:
I'm bringing a ton of debt into our new marriage,"
"Should I keep putting my money into Bitcoin?"
"Should I sell the truck I bought with my grandfather?"
"When should I move out of my mom's house?"
"Should I help my husband pay off his debt?"
"Is Webull a good platform to start investing?"
Next Steps:
🪑 Watch Front Row Seat with Ken Coleman ⮕ ter.li/pz4wbn
💪 Invest with confidence! Get tickets to Investing Essentials - ter.li/jclxu3
💼 Connect with a RamseyTrusted tax pro for help with payroll and more - ter.li/p043ah
📱 Watch the full episode for free in the Ramsey Network app. ter.li/1v7io7
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan - ter.li/p3qkzb
📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or send us a message - www.ramseysolu...
Connect with our Sponsors:
🌱 Get 10% off your first month of BetterHelp ⮕ www.betterhelp...
💸 Learn more about opening a high-yield savings account with Laurel Road. ⮕ www.laurelroad...
🏥 Learn more about Christian Healthcare Ministries ⮕ www.chministri...
🏡 Get started today with Churchill Mortgage ⮕ www.churchillm...
🔒 Get 20% off when you join DeleteMe ⮕ www.joindelete...
🏦 FAIRWINDS Credit Union exclusive account bundle ⮕ www.fairwinds....
💤 Visit Helix Sleep for special offers! ⮕ www.helixsleep...
💻 Visit NetSuite today to learn more ⮕ www.netsuite.c...
🏛️Call 844-2-RAMSEY to get started with YRefy ⮕ www.Yrefy.com/...
🔐 Visit Zander Insurance for your free instant quote today ⮕ www.zander.com/
Watch more from Ramsey Network:
🍸 Smart Money Happy Hour ⮕ ter.li/dre4oa
💸The Ramsey Show Highlights ⮕ ter.li/tp4w1h
🧠The Dr. John Delony Show ⮕ ter.li/9l5k9g
💰George Kamel ⮕ ter.li/2ma765
💡The Rachel Cruze Show ⮕ ter.li/roya3c
🪑 Front Row Seat with Ken Coleman ⮕ ter.li/pz4wbn
📈EntreLeadership ⮕ ter.li/proqeb
Ramsey Solutions Privacy Policy
www.ramseysolu...
Products:
Breaking Free From Broke: store.ramseyso...
Baby Steps Millionaires: store.ramseyso...
Better Than I Deserve YETI® 20 oz. Tumbler in Blue: store.ramseyso...
Get Clear Career Assessment: Find the Work You’re Wired to Do: store.ramseyso...
Total Money Makeover: store.ramseyso...
I’m Glad For What I Have by Rachel Cruze: store.ramseyso...
Smart Money Smart Kids: store.ramseyso...
EveryDollar Premium Version Physical Gift Card: store.ramseyso...
Questions for Humans: Intimacy store.ramseyso...
Money’s Not a Math Problem Quick Read: store.ramseyso...
Building a Non-Anxious Life: store.ramseyso...
Financial Peace University Gift Card: store.ramseyso...

[@seantorbitt4621]

I am really enjoying the Dr.John and George combo, you guys are great.

[@tammyjohnson5368]

John, I really liked your comment into the break (51:50): "I would want to look in the mirror first". I thought it was quite appropriate.

[@graceshahri3872]

Oh Grace! I'm a Grace too, and accepting God's grace, and people's grace, and giving grace to myself is the hardest thing! I'll be praying for you since your call stuck out to me.

[@DudeMuscle]

Kathleen is a cold hearted killer. “I don’t think he’ll live that long so I want to use the money now.” “I have a 500k life insurance policy on him.” She’s counting the days. She wants the money now so his new wife can’t use it to provide for her kids.

[@laurab5849]

She kinda has to pretend her baby daddy is in jail or a deadbeat cuz essentially he’s broke.

[@Hokieredneck]

She is the sickest of sick. Selfish and evil

[@DudeMuscle]

@ he’s dying…

[@AlexandraJamison]

Yea John kills me if that was a man he would tell hiim to man up and get a job. Her going to school was total bullshit she wanna handout from her ex.

[@Hokieredneck]

y/t deleted my comment like normal

[@miloseveggies8064]

Would've loved to hear Dave's take on Utah mom

[@gamersetherealjourney]

❤ caller 1 - 00:40 caller 2 - 11:30 caller 3 - 26:10 caller 4 - 29:50 caller 5 - 33"05 caller 6 - 43:40 caller 7 - 56:05 caller 8 - 1:11:00 caller 9 - 1:15:45

[@Scarface_445]

50:42 lady wants to rob a man that’s dying. That’s fucked.

[@AlexandraJamison]

She’s physco. John needed to weed that out. That was all time bad call. Sister paying the bills but she going to school? Cut the bullshit

[@republicunited2183]

Agree. I've been in a similar situation, father never pays, can't get it together. Luckily he's not ill. So I just work and provide for my kids. I worked, went to school, and cared for my kids. I've worked myself into a great career/salary. My kids see it.

[@MrTripleAgamer]

Ya evil.

[@EdgarD4GEspada]

That’s insane she determined! She even got life insurance with his name on it! She going to call a hitman in him🫣😢😭💀

[@tiltedmma5474]

John and George are the best duo

[@TulsaDude]

Kirk, nice job man, thanks for the great example

[@alexreader7673]

The guy with crypto (who has done very well) reminds me of a Mike Tyson quote "Everyone has a plan until they get punched in the face" cash out man, pay of your debt, build up the emergency fund and invest the rest into the S&P 500 or mutual fund and enjoy your retirement in 30 years when you're a millionaire!

[@Liimpy]

Now im picturing john singing, " i aint no holler back girl... and realizing that he probably did, when the song was popular 😂....

[@TulsaDude]

100% he did

[@Albakerkey1]

George “ build a foundation”. Mic drop after that profound statement!!

[@Rolando91flores]

Kathleen needs to get off her butt and work 100 hours a week. Like Dave would say.

[@kreekree5]

where’s dave 😢

[@BonnieStafford-w5h]

Caller stated she had “years” of schooling still ahead of her. In my state radiology tech is a one- or two-year program at the local junior college. Also, if he has early-onset dementia, he won’t be alive very long, statistically speaking.

[@lynnbaity7762]

You said the three major things are food, shelter, utilities where does medicines fit in the equations? I know a lot of people will forgo food to pay for their meds. I have started questioning myself as to whether it's a need or a want now do to your show. And it's working.

[@claudiap.s.7005]

Some medication is bandaids and I don’t know why they don’t expose that more ont his show .

[@TulsaDude]

"be a crockpot, in a world full of microwaves" - George freaking Kamel

[@MarianBarchilon]

Be wise with money, integrity, relationships and mental and emotional health.

[@republicunited2183]

Awesome George & John today.

[@lisak6321]

What God calls for, He pays for!

[@flashthecorgi2053]

Two days in a row with the GREAT and WONDERFUL Delony + the Dream team today!!!! What a wonderful Wednesday!!! 🎉🥰

[@jaynette2011]

4k a month no taxes??? I would be rolling if I could have that

[@ruthyoung3522]

This ex wife really selfish and not care about other people. Move your butt and work and pause your education.

[@Bobbi-s2u]

I wonder what Dave would have said about the ex-wife and her ex-husband, who has early dementia? What do you out there in KZbin Land think Dave would have said?

[@shionajoseph3248]

That she needs to go to work! She’s absolutely ridiculous

[@TulsaDude]

She can try the legal system , but regardless, get a job and get to work.

[@EdgarD4GEspada]

49:49 stay away from woman like that! Crazy she don’t even got her ducks in a row I understand he owes her but she even got a life insurance with him and she the beneficiary money hungry she banking on his death “I don’t see him living to 60”… 2025 mentally of woman🤯🤮🤕🥴🤐😷🤒

[@EdgarD4GEspada]

Love deloney said u need to look in the mirror 💥🤣💀 and her parents helping her she need to get her ish in order

[@TulsaDude]

How do you know how this guy was in the past? Just wondering.

[@EdgarD4GEspada]

Shit don’t matter he trying to stick it to him with no remorse n he got complications n her shit Is not in order she banking on him smh 🤦🏼‍♂️ she can’t even pay her bills think she said her mom does get real!!!

[@maribethvance9958]

Hey Bitcoin dude, even if you don't want to do what they're suggesting, take 70,000 out of your investment pay off your debt keep the rest of the money in Bitcoin if that's what you want to do but then start putting some money in a Roth IRA Index Fund

[@uallrite]

My Vangard has returned 80ish percent in 5 years My Bitcoin has returned 1000%. Stay and hold where you are buddy!!!

[@TulsaDude]

Exactly.

[@ShareHeart1218]

Can’t afford “Investing Essentials” in baby step 2. 😢 Will this be available to watch later on (when I’m in 4,5,6)?

[@moni-b1t4u]

It isn't the first time Dave has done that Livestream, and it won't be the last

[@uallrite]

Just google "Investing Essentials Dave Ramsey" It will be that with video. It's not worth $200

[@renorob6170]

Camry is a great car

[@anikataylor9419]

@renorob6170 the best. I'm still driving an 02' I got in 2010 after totaling my first 02'. It's been paid off since 2013-14. It got me thru a layoff and 4.5 years after when I didn't want to work, choosing instead to do side gig work. Now if I was as wise when I went back to and never got any more cc's I'd be alright. It felt so weird having so much money unaccounted for had to dig a hole. Wish I'd found Dave back in 2018 or at least 2022 when I started working again..I've probably flushed 75k down the drain.

[@TulsaDude]

So is CRV

[@willtacoma2ndgen661]

Of all the Dave Ramsey cohosts, Delony is the worst to listen to. He is always off-topic. Delony's advice never makes sense, and I hope management talks with him to help him relax and stop cutting callers off while they are explaining their situation to reach a quick conclusion.

[@deannahardemion2268]

Agreed …

[@rednuts420]

Very true.

[@reyrey992]

Jade is the worst

[@Zanzan8]

Rachel is the worst

[@TulsaDude]

Wouldn't say "it never makes sense" , he has some good points. Rachel is the worst, she is soft, no personality and not a lot of experience

[@RyanBlake-o7b]

That’s an incredible video! Few years back, a friend introduced me to a financial adviser named Suzanne Gladys Xander. We had a conversation about investments, and I decided to start with $150k. Within two months, my portfolio had grown to $274,800-unbelievable, right? I reinvested the profits, and it’s been an amazing journey ever since. Over the past year, we’ve been working together, making consistent gains. I even bought my second home two weeks ago and can comfortably support my family now.

[@ChrisJordan-s9k]

Hi, I recently became a parent for the second time, and juggling everything has been so challenging, especially since I was retrenched. I’ve been searching for additional income sources but barely have the time to actively manage my trading and investments. Do you think I should step back for a while and return when I have more time, or is trading something you need to commit to continuously?

[@RyanBlake-o7b]

@@ChrisJordan-s9k Honestly, if you don’t have someone like Suzanne Gladys Xander guiding you, it might not be the best idea to quit your job to focus solely on trading. It’s crucial to weigh your options carefully and get advice from trusted experts before making major decisions. Automated trading systems or consulting an AI could also help manage your investments while you balance other responsibilities.

[@ChrisJordan-s9k]

@@RyanBlake-o7b That sounds great! I’d love to explore that option-thank you for the suggestion.

[@RyanBlake-o7b]

@@ChrisJordan-s9k Her name is Suzanne Gladys Xander.

[@RyanBlake-o7b]

Try searching her name on her webpage

[@reyrey992]

The chick at 50 ish mins is heartless... his kids his kids his kids. Dude is a few years away from death and she's freeloading. John waited till the music started to tell her what he was thinking in the first 30 seconds after she asked her question. Shame on you lady, get you a$s to work and feed your kids

[@AlexandraJamison]

Delony wild yo. The “your marriage is in trouble” shit gotta stop. Almost as bad as his famous “are you safe?”

[@bettedavis9261]

Well, I for one, can't breathe 🤷🏼‍♀️

[@ReformedFamilyWorship]

Yeah I call that "shrinking" people.

[@bluedevil0111]

My comment was deleted because it was too critical. So much for Dave being anti ❄️

[@bettedavis9261]

Look under the "newest" tab. It's probably there

[@bluedevil0111]

@@bettedavis9261Nope

[@moni-b1t4u]

It's more likely KZbin guidelines

[@TulsaDude]

I rip personalities, callers, commenters...never been deleted, so I doubt it's that

[@stephaniab2149]

Kathleen, nothing you are asking for is fair. You are holding his equity in the home hostage. Was not given half of his 401k but want him to cash it in to give it to you now. Shame on you.This man is sick and can barely take care of himself. Sell that house and give him his equity and you live off of your half of the equity.

[@TulsaDude]

True but we act like we know their past, maybe he is a dead beat

[@elchotaloks63]

Delony be reaching on most of these calls.

[@Liimpy]

Are you tired though

[@qepps7602]

I thought i was the only one that felt this way 🫠

[@uallrite]

I want you to write a letter to yourself 😂 George basically got a day off today😂

[@qepps7602]

@ exactly baloney cool guy but EXTRAAAAAA

[@DDEHoodStarz]

He walks around with 10-foot poles.

[@UNTOLD.STORY.101]

Finding balance is key-dismissing all BTC investments as ‘gambling’ ignores strategies like DCA, which has clearly worked for this investor. Risk management isn’t just avoiding volatility but knowing how to navigate it.

[@TracyWashington-y8c]

I would not sell my Bitcoin now!!! I would pay my 70k debt out with my income and save for my emergency fund!!!! That’s all js

[@claudiap.s.7005]

George has said some pretty ignorant things about my religion before so anything he says now is a bit sour. But, I’m trying not to judge their advice here. Although I think that Private Student loans are bankrupt-able- except it seems to be almost impossible to meet the qualifications of “hardship” required by them, thus, it’s like they are not.

[@dellasomerville8771]

Can’t hear

[@platinumhandymansolutions]

Dave ok?

[@moni-b1t4u]

He just did a stint on the Money Happy Hour with Rachel and George that airs tomorrow. He's fine

[@flashthecorgi2053]

@@moni-b1t4u That’s prefilmed but he did just do a LIVE event with Jade, Rachel, and George last Thursday and seemed to be perfectly fine!

[@TulsaDude]

Lots of judgements and assumptions by Delony towards groups of people, sometimes it's very annoying

[@davidmason777]

Run away from her you don’t want that in your life

[@Jamesharmon235]

Anthony if you see this....DONT EVER SELL THAT BITCOIN. YOUR FUTURE SELF WILL THANK YOU!!!!

[@Brucefulness]

100%. lol

[@TheHavocdog]

Does this person that is feeling the call of God think that God would approve her filing for bankruptcy and cheating someone else of the money that they loaned her?

[@bettedavis9261]

Oh, my goodness, I thought the exact same thing!

[@brandonripperger8913]

Not that I agree Webull is the best method for investing and George gave a pretty sound answer, but John you really show your ignorance when you start blabbing on about something you have no idea what you’re talking about. I could tell just from how you were talking you have no idea what Webull is and chime in with answers that aren’t articulate whatsoever and sounds like childish elementary blabber. If you don’t know anything about something just don’t speak on it.

[@Zanzan8]

True

[@asharma5958]

Doloney should not be giving money advice. Please stick to your expertise.

[@TulsaDude]

He pretty much does stick to his expertise, he rarely gives actual financial advice lol

[@tmriddle]

No understanding of how blockchain works

[@AlexandraJamison]

@@tmriddle it’s not a good investment bro

[@tmriddle]

@ I didn’t say it was. Saying something like “wouldn’t be surprised if someone comes up with an AI that just makes a bunch of bitcoin” though is a nonsensical statement though. If you understand the technology you’d know why that makes no sense to say.

[@TulsaDude]

​@@tmriddleit's all stupid. Live in reality. You get one life.

[@PrincessLolly1]

Whoa!!! John you missed on the ex-wife in school who’s ex-husband has early dementia. She was telling you her ex is going to die prematurely and his NEW WIFE and the next set of kids he made with family #2 will be getting his retirement. AND if he does declare bankruptcy her home that he still has his name on will be at risk to his creditors. Too bad John and George got caught up in the “vindictive ex-wife” narrative instead of listening to the caller’s true concern, and very legitimate, concerns.

[@shionajoseph3248]

She said his wife and his kids…which could be HER kids

[@sameasnone]

They didn’t miss it, they just didn’t know the full picture and didn’t want to hurt her. So they rather not say anything and John sort of said something with the mirror comment and then after the break said how he did understand what was going on

[@tater4ever]

He didn’t care . He hand holds the men and give the “though love” for the women. And she has every right to have a life insurance policy on him . They have kids . What world would that not be legal . He rather her work back and bone but don’t touch that 401k .

[@timetravel-l4n]

Can Trump reverse Biden's student loan forgiveness?

[@rachellyn6463]

🤦🏼‍♀️

[@Trustbutverify2651]

Grace - you need to work on this huge debt before you bring it into a marriage. Your parents are NOT responsible for the fact that they didn't warn you. Really? I am a retired high school teacher (35 years) and I KNOW that all kinds of information is available to students, not to speak of the Internet, but students want what they want. So get to work - do not burden a future husband with this and don't make the American taxpayer pay for YOUR choices and mistakes. And don't get married until you have taken care of at least a huge part of this. The time to pay it off is when you are single, you can live in a one-room studio and eat the proverbial beans and rice, and take care of your debt. And certainly don't blame it on God and a call to ministry - you can "minister" in all kinds of situations at church while you pay off your debt and think about full-time ministry later. The Bible addresses taking on debt - and the holy writ says to pay your debts and no borrow further money. Check on YRefy if you have private student loans.

[@TulsaDude]

I didn't think she was blaming, I thought she was just telling them the truth. She said she was very dumb and didn't have much guidance. I think that's fair. She is also calling the show for help! Most people just drown and drown

[@AccessoriesAddict5528]

Grace found a HUGE sucker to marry her!! 😂😂😂💸💸💸💸💸

[@moni-b1t4u]

I think it's the other way around

[@qepps7602]

NEXT CALL PLEASSASSSSSSE 😵‍💫 Wheres Dave Or Rachel ?

[@republicunited2183]

300K AND YOU NEED A MORTGAGE?